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Motor Vehicle Compensation A motor vehicle is any device that is used to transport people or property through public highways, and is powered by mechanical means. Motor vehicles include automobiles, trucks, buses, motorcycles and even airplanes. Two studies showed that interaction with insurance companies while claiming compensation for an auto accident was associated with increased levels of anxiety. Further research is required to understand how this happens. Damages The value of a motor vehicle crash claim is determined by the specific cost and the damages you have sustained. A personal injury lawyer can help you determine the fair compensation in your specific situation. Damages are typically classified as “special” and “general.” The latter are expenses that can be calculated like medical bills or car repair costs. General damages are more difficult to estimate, and include non-economic factors such as pain and suffering. If your injuries are serious enough to be classified under New York law as a serious injury, you could be entitled additional compensation above and beyond what an insurance company will provide. If motor vehicle accident law firm lake charles suffer from a permanent impairment that substantially affects your quality of life and quality of life, you could be entitled to compensation for loss in consortium or other damages not economically based. You may also be able to recover the cost of public transportation, taxis or ridesharing services in the event that you could not drive following your crash. You can also recover expenses to maintain your home or yard if you cannot do it because of your injuries. You might be able to get the loss back in resales for the vehicle you damaged. In some cases, the at-fault party may be ordered to pay punitive damages if there's evidence that the defendant purposely caused the accident. These damages are designed to punish the guilty for recklessness or negligence. Medical bills The victims of motor vehicle accidents usually experience expensive medical bills due to their injuries. Certain insurance policies for car insurance offer medical payment coverage (also known as med pay) that can help cover these costs. In most cases, this coverage is available regardless of who was the one responsible for the crash. It is crucial to keep in mind that medical coverage cannot substitute for health insurance. In fact, a person who is injured must always file a claim through his or her own health insurance prior to submitting a claim to the at-fault driver's car insurance company. It is also possible to get compensation for expenses, such as transportation costs to and from medical appointments. However, the person seeking compensation must be meticulous about tracking and storing receipts for mileage expenses in order to ensure they receive a an equitable amount of compensation. The final point is that No-Fault insurance will pay a victim for lost wages in the event that they are unable to work due to their injuries. However, the maximum amount that is able to be claimed is $2,000 per month, for no more than three years. The No-Fault insurer may also be required to offset this amount with any Disability or Workers' Compensation or Social Security benefits the injured person is receiving. Although financial aid may be available however, it could take months or even years to settle a satisfactory agreement. In the meantime medical debt collectors could call, and unpaid charges could be a major hazard to your credit score. To avoid this, the victims must establish a client-attorney relationship with a law firm that handles auto accident cases. Loss of wages There is a chance that you will be in financial trouble following an accident. While you're out of work, medical bills or credit card debts and loan payments can pile up. Losing income can also cause stress in your family. You can recover lost wages from your auto accident lawyer. You'll need proof that you lost wages. This will include evidence of your salary, hourly wage, as well as the number days missed because of injury. You can get a letter from the employer pay stubs, pay stubs, bank statements, tax returns and so on. The process of proving your income is more difficult if you are self-employed or on commission. However, your experienced car accident lawyer will help you gather the evidence to prove your claim. You can only recover your lost wages as part of a car accident claim. You can't get your lost wages back from worker's comp or disability insurance as this would be double recovery. The insurance company with no fault will send you to an independent physician that they have contracted to examine you. The doctor will decide the extent to which your injuries, in the opinion of the doctor, will prevent you from working. This is referred to as an independent medical exam (IME) and you must be aware that the doctor performing your IME is biased towards the insurance company. Pain and suffering It is difficult to quantify the pain and suffering caused by a car crash. The emotional trauma triggered by a car accident can be more severe than the physical injuries. Someone suffering from PTSD might experience insomnia or anxiety, which could prevent them from sleeping well, or they may be unable drive due to anxiety about another crash. A lawyer can help you determine the total value of your non-economic damages and work with a jury to decide how much you can be awarded for your suffering and pain. The degree of your injuries as well as their impact on your daily life can affect this figure therefore it might be worthwhile to keep a diary to keep track of how the injury affects you, or having family members or friends write a statement about your condition. Some states have a cap on the amount paid for pain and suffering. New York does not, but victims are only allowed to file a lawsuit and request these damages for serious injuries, not the minor ones. A Manhattan car accident attorney can help you determine the true cost of your injuries, and establish that you are entitled to fair compensation.