What Types of Personal Injury Are Covered by Insurance?
The questions that arise when someone has suffered a personal injury are many and varied. They include how much money will it cost and how will the injured individual feel about their injuries. Other concerns include property damage, lost wages, and pain and suffering.
1. Medical bills
The right type of insurance coverage can make or break a personal injury claim. You can’t always count on your insurer to be on top of its game, but a little forethought can go a long way in a pinch. For example, you might want to get a policy that covers medical payments as well. Of course, this means you might have to pony up for some hefty bills, but you can expect a solid payout once you do so. To find out whether you are covered, contact your insurance carrier and ask. A good insurer will be more than happy to help. In fact, many insurers will offer a discount to qualified applicants.
Medical bills can be expensive, so be sure to compare prices before you sign on the dotted line. If you have insurance, make sure to keep a spreadsheet of bills – both those paid and those owed – as well as a list of your medical providers and their billing departments. This will help you track down any unscrupulous insurance companies that might be hiding in your policy.
2. Lost wages
If you have missed time from work due to personal injury, you may be eligible to recover lost wages. To determine the amount of lost wages, multiply the hours missed from your job by the amount of money you could have earned if you had not missed work. In some cases, you may also be able to claim regular benefits such as cell phone, insurance, sick leave, and commissions.
You should discuss your condition with your doctor before filing a claim. The doctor will give you specific paperwork that you can use to prove your impairment. This can include a medical report stating that you are unable to perform your job and a note from your treating doctor.
In order to recover lost wages, you will need to provide documents such as pay stubs, tax returns, and employment records. Having this information will help the insurance company assess your claim. Leaving out important information can result in a denial of your claim.
You can also claim lost wages if you are self-employed. As long as you have documentation of your normal earnings, you should be able to recover your lost income.
Besides paying for a lawyer, you can also submit a claim with your insurance provider. You should also provide a written notice with the accident and the names of the parties involved. You can also turn to your at-fault driver’s insurance policy.
A personal injury attorney can estimate the amount of lost wages based on your accident and your expected recovery. Your case will be evaluated by medical experts and economic specialists. There are different factors that affect the amount of compensation you are awarded, including your education, age, and skills.
Lost wages can be complicated. Depending on the severity of your injuries, you may be able to claim a smaller amount than you would otherwise. However, if you cannot work, you may be out of money. Regardless of your circumstances, you deserve compensation for your losses. Let the experienced attorneys at Steinberg Injury Lawyers help you get the money you need.
When you are filing a personal injury claim, it is important that you have the right documentation to prove your claim. Not having a strong case can lead to a denial of your claim.
3. Pain and suffering
There’s no doubt that a car accident can be a very painful experience. A traumatic brain injury, spinal cord injury or a broken bone can all be very physically grueling and emotional. In addition to the physical pain, you may also experience mental ramifications such as depression or insomnia. Fortunately, insurance companies aren’t always in the business of paying out hefty settlements to people injured in accidents. However, that doesn’t mean you can’t make a claim. For example, if your loved one was killed in an accident and you believe their surviving spouse suffered a wrongful death, you could be eligible for compensation.
Aside from the obvious, the best way to make a claim is to hire a lawyer. The right legal team will not only help you navigate through the process, but will also ensure you get the fairest compensation possible. You can start by examining the pain and suffering laws of your state. Some states have no cap on how much you can receive, while others have a strict no-fault policy. It’s also worth noting that you don’t have to live in the state in which you were injured to claim a personal injury settlement. If your injury occurs in a foreign country, you’ll still need to research their particular pain and suffering statutes.
In a nutshell, pain and suffering is a complicated subject and not everyone has the time or inclination to take the time to learn the ins and outs of it. That’s why you need a lawyer who understands the ins and outs of the personal injury business. This is especially true if you’re dealing with an insurance company that cares more about the bottom line than you do. So, do your homework and don’t settle until you’ve done your due diligence. After all, the right settlement can make all the difference between a bad injury and a lifelong battle with an unscrupulous insurance company.
4. Property damage
Property damage is a type of personal injury that happens to a property or person that is not their own. It can occur from a variety of circumstances, including storms, fires, and accidents. Some types of property damages are covered by insurance, while others are not. In some cases, it may even be necessary to hire an attorney to pursue a claim. There are several components to a property damage claim, and it can be confusing to understand all of them. If you have been involved in a situation like this, a New York Personal Injury Attorney can help you navigate through the process.
