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How Much Is Your Auto Accident Compensation Worth? Damages for car accidents are intended to compensate victims of the collision. Some of them include the cost of property damage and medical bills. Other damages are not economic, like suffering and pain. In New York you have three years from the time of an accident before you make a claim. But, if you wait too long could endanger your case. Evidence could be lost over time or destroyed. Witnesses could forget important information. Damages In the case of a car accident victims can be awarded compensation for their economic losses, such as medical bills or lost wages. In addition, they can receive compensation for damages that are not economic such as pain and discomfort. The amount you can receive depends on how serious your injuries are and the impact they'll have on your life. An experienced attorney for auto accidents can help you determine the worth of your injuries and property damage, and negotiate with the insurance company to reach an acceptable settlement. Insurance companies are in business of making money. They will do all they can to settle your claim for as little as possible. You require an attorney who will fight to get the most money you're entitled to. You can also seek compensation if you have personal items that were damaged during the accident. These include your shoes, clothing, and jewelry. You may also be eligible for compensation for costs related to housekeeping, gardening or childcare, if 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'll need to pay your deductible prior to the insurance company can begin to cover your losses. You may then file a lawsuit against the driver who is at fault in order to recover the remaining amount of your losses. Medical bills The medical bills that result from a car wreck can quickly accumulate. The average cost of an ambulance ride, hospital stay and inpatient care can reach tens of thousands dollars or more. Additionally, the cost of physical therapy, prescription drugs and other medical care could increase as the injured person continues to recover. The driver at fault is responsible for settling the victim's losses and medical expenses in the event that they are found to be responsible in the course of a lawsuit. The law does not require that the at-fault party pay for medical expenses incurred by their victim on an ongoing basis. If you don't live in a state that is no-fault the first step for receiving reimbursement for medical expenses is to apply for PIP coverage (personal injury protection). Based on your policy's limits it could be able to be sufficient to cover all or a portion of your medical expenses. You should also file a claim with the at-fault driver's car insurance for any liability insurance they carry, as well as the uninsured motorist coverage on your own car policy. These insurance policies could reimburse the medical expenses you incur, although they often come with deductibles and other terms which you must follow. An experienced lawyer can assist you in the process of obtaining reimbursement for medical expenses. This will save you from having to spend your income for medical treatment and allows you to focus on your recovery. Loss of wages Car accident injuries can make you unable to work. This can leave you without income and unable to pay your bills. You may need to borrow money from friends or family. A settlement can take months. During auto accident attorneys st louis , you'll have to pay your bills yourself and wait for the settlement. You can get back your lost wages if you've been injured in a car accident. This can include salary as well as hourly wages, however it could also include other financial benefits such raises and bonuses. An attorney can help determine the amount of lost earnings. You can claim compensation for lost wages through a no fault insurance company or a lawsuit against the party who is at fault. The claim is typically based on the cost of your medical bills, proof that you missed work due to injuries, and documentation of your lost earning capacity. This is often known as demand packages. You'll need an employer's letter that confirms your employment details, including the days you were off due to injuries and the hours you work normally. You'll need your pay stubs, tax documents and other relevant documents. Your lawyer can help you gather these documents and prepare a convincing demand form to present to the insurance company or the judge in your case. Pain and suffering While some of the costs associated with an accident can be calculated to the penny — such as emergency services, medical bills as well as surgery costs, medications and lost wages, other expenses are not. These losses that are not quantifiable are referred to as pain and suffering and they are an important component of a compensation claim. Both the emotional and physical effects of an accident are associated with pain and suffering. A victim's injuries could cause lasting damage to their lives, leading to permanent disability, or even death. For example, an injured victim who suffers a severe brain injury is unlikely to perform or function normally again. These kinds of injuries typically result in a large settlement. In most instances, the amount of pain and suffering a victim suffers is determined by the severity of the injury and the impact it has affected their lives. An experienced lawyer will investigate the specifics of your case and decide the appropriate amount of settlement. They will use prior settlement amounts for similar injuries as a guide to help you get an idea of how much your case might be worth in terms of pain and suffering. Insurance companies try to discredit the claims of victims of suffering and pain, by claiming that their injuries are not sufficient. An experienced lawyer will stand up to these tactics and negotiate with the insurer on your behalf to ensure that you receive a fair settlement.