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How Much Is Your Auto Accident Compensation Worth? Damages for car accidents are intended to compensate victims of the accident. Some of these include the costs of property damage and medical bills. Other damages aren't, such as pain and suffering. In New York, you have up to three years to take legal action after a crash, however waiting too long can harm your case. As time passes, evidence could be lost or destroyed witnesses may forget crucial details. Damages In the case of a car accident, victims can receive compensation for their economic losses, such as medical bills or lost wages. In auto accident lawsuit north dakota , they can receive compensation for noneconomic damages such as pain and discomfort. But, how much your claim will be worth is contingent on the severity of your injuries and the impact they have on your life. A skilled lawyer for auto accidents can help you determine the worth of your injuries and damages to property, and negotiate an acceptable settlement with the insurance company. Insurance companies are in business of making money. They will do all they can to pay your claim as inexpensively as possible. You need an attorney who will fight for you to secure the maximum amount you deserve. You may also be eligible for compensation if you own personal items that were damaged during the accident. Jewelry, clothing, and shoes are all included. You can also get compensation for expenses relating to cleaning your home, gardening or childcare, if you can't do these things because of your injuries. In determining the worth of your claim, your deductible will also be taken into consideration. You will need to pay your deductible before the insurance company will begin to compensate you for your losses. You can then sue the driver at fault for any remaining damages. Medical bills The medical bills that result from a car wreck can quickly grow. The cost of an ambulance ride, hospital stay, and inpatient care can run into tens or thousands of dollars or more. Moreover, the cost of physical therapy, prescription drugs and other treatments can increase as the person who was injured is able to recover. The at-fault driver is responsible to pay for the losses of a victim and medical expenses in the event that they are found to be responsible in the course of a lawsuit. However the law does not typically require the at-fault party to pay for their victim's medical bills on an ongoing basis. Unless you live in a state with no-fault laws, the first step for medical bill reimbursement is to submit an application to your insurance company for auto coverage for PIP (personal injury protection) coverage. This coverage may cover all or most of your medical expenses subject to the policy limits. You must also file a claim against the liability coverage of the driver at fault, as well as your own uninsured driver policy. These insurance policies can reimburse the medical expenses you incur however they are usually accompanied with deductibles, as well as other conditions that you must adhere to. A lawyer with experience can assist you in the process of obtaining medical bills paid. This will allow you to not spend your income on medical bills and concentrate on your recovery. Lost wages Accidents involving cars could cause you to miss work. This could leave you without income and struggling to pay your bills. You may have to borrow money from family or friends. It could take several months to reach a settlement in your case. During that time, you will be required to continue paying your bills from your own pocket and then wait for your settlement. A claim for lost wages could aid in recovering the money you would have earned if not for your car accident injury. This can include salary and hourly wages, but it may also include other financial benefits such increases and bonuses. An attorney can help determine your lost earnings. You can claim compensation for lost wages with a no-fault insurance company, or even a lawsuit against the party at fault. The claim typically involves your medical bills, proof that you were unable to work due to your injuries, and proof of your diminished earning capacity. It is sometimes referred to as the demand package. You will be required to submit a written statement from your employer which confirms the details of your employment including the days you were absent because of your injury and the hours you usually work. You'll also need to provide your pay stubs and tax documents. Your attorney can assist in obtaining these documents and prepare a compelling demand to present to the insurer or judge in your case. Suffering and pain Although some expenses incurred in accidents can be estimated to the penny—such as medical bills, emergency services, surgery costs, medications and lost wages, others aren't. These unquantifiable losses are referred to as pain and suffering, and are an essential element of a person's compensation claim. Pain and suffering includes both the physical and emotional effects of an accident. A victim's injuries may have a long-lasting impact on their lives, leading to permanent impairment or even death. For example, an injured victim suffering from a debilitating brain injury could never work or function normally again. These types of injuries are often worth a substantial settlement. In the majority of cases, the amount of suffering and pain that a victim experiences is contingent upon the degree of their injuries and how the injury has affected their lives. An experienced lawyer will look into the specifics of your case to determine an appropriate settlement. They will consider previous settlement amounts for similar accident injuries as a reference to help you get an idea of how much your case might be worth in terms of suffering and pain. Insurance companies try to discredit the claims of victims of suffering and pain by claiming their injuries are not sufficient. A skilled lawyer will rebuff these tactics and negotiate with the insurance company on your behalf to ensure that you receive an appropriate settlement.