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Motor Vehicle Compensation Motor vehicles include trucks, cars, buses, motorcycles, and even airplanes. motor vehicle accident law firm kansas city include automobiles, trucks, buses, motorbikes and even planes. Two studies found that interacting and making claims for compensation after an accident in a motor vehicle while dealing with insurance companies was associated with increased levels of anxiety. Further research is required to understand the reason for this. Damages The value of a motor vehicle accident claim is determined by the specific costs and the damages you have sustained. A personal injury lawyer can help you determine what is fair compensation in your particular circumstances. Damages are usually classified as “special” and “general.” The latter are expenses that can be calculated for medical bills or car repair expenses. General damages are not as straightforward to calculate and also include non-economic components like pain and suffering. If your injuries are severe enough to be classified under New York law as a serious injury, you could be entitled to compensation that is above and beyond what an insurance company will provide. If you suffer from a permanent disability which significantly impacts your life quality you could be entitled to compensation for loss of consortium and other economic damages. You could also be able to recover the cost of public transportation, taxis or ridesharing services when you could not drive after your crash. You may also be able to recover costs to maintain your home or yard if you are unable to maintain it because of your injuries. You may be able recuperate the loss through resales of your damaged vehicle. In certain cases, the at-fault party may be required to pay punitive damages if there's evidence that the defendant purposely caused the accident. These damages are designed to punish the offender for reckless or extreme negligence. Medical bills The victims of motor vehicle accidents usually experience expensive medical bills as a result of their injuries. Some insurance policies for cars offer medical payment coverage (also called med pay) that can help cover these expenses. In many cases, this coverage is available regardless of who is at fault in the crash. It is crucial to keep in mind that medical coverage does not substitute for health insurance. A victim should always file a claim first to the victim's insurance company prior to filing an action against the driver responsible. It is also possible to receive compensation for expenses such as transportation costs to and from medical appointments. To ensure that they receive a fair amount, the victim must be meticulous in logging and saving receipts. The No-Fault policy can also pay for lost wages if they're unable to work due to their injuries. The maximum amount that may be paid is $2,000 per month for a maximum of 3 years. The No-Fault insurer may also be required by law to offset any Disability, Workers' Compensation, or Social Security benefits received by the injured party. Even if financial assistance might be available, it could take months or even years to settle a satisfactory agreement. In the meantime, medical debt collection agencies might be calling and unpaid bills could cause serious damage to a person's credit rating. In order to avoid this, a victim should establish an attorney-client relationship with an attorney firm that provides representation in auto accident cases. Lost wages You could find yourself in financial difficulty after an accident. Medical bills as well as credit card debt and loan payments can get a lot more expensive when you are unable to work. Losing income can also create stress for your family. You can seek compensation for lost wages from your auto accident attorney. You will need to provide documents to prove that you have lost wages. This could include proof of your salary, your hourly wage, as well as the number of days missed due to of injuries. This could be a letter from your employer Pay stubs and pay stubs or bank statements, tax returns and more. The process of proving your income is more difficult when you are a self-employed person or work on commission. Your knowledgeable attorney in car accidents will assist you in gathering all the evidence needed to prove your claim. You are only able to recover lost wages as part of a car accident claim. You are not able to claim your lost wages through disability insurance or worker's compensation as it would be a double recovery. The no-fault insurance company will send you to an independent doctor that they have contracted to examine you. The doctor will decide if your injuries, in the doctor’s opinion, prevent you from working. This is referred to as an independent medical examination (IME) and you must be aware that the doctor performing your IME is biased toward the insurance company. Pain and suffering Contrary to medical bills and loss of wages, it's tough to estimate the suffering and pain caused by a motor vehicle crash. It can be more painful than physical injuries, because the trauma of a crash may cause emotional issues such as PTSD. Someone suffering from PTSD might experience anxiety or insomnia that could prevent them from sleeping well. They may also be unable to drive due to the fear of a collision. An attorney can calculate the total amount of non-economic damages, and then work with a juror to determine how much compensation to award for pain and suffering. The extent of your injuries and their impact on your daily life can be a significant factor in this figure as well which is why it's worth keeping a journal to document how the injury affects you or having family members or friends make written statements about the condition you're suffering from. Some states have a limit on the amount of compensation that can be claimed for suffering and pain. New York does not, but victims are legally able to file a suit and demand compensation for serious injuries, not for minor ones. It is essential to talk with a Manhattan car accident lawyer to learn the exact cost of your injuries and the best way to prove that you deserve an adequate amount of compensation for your economic and non-economic loss.