The effects of a serious injury can be hard to determine, and should never be underestimated. Compensation for an injury sustained due to another person’s recklessness or negligence can depend on the area where the injury occurred and the severity of the injury. Talking with a personal injury lawyer can help in determining the costs of an injury and how an injury victim can pursue compensation.
Insurance companies have a way of computing the value of a personal injury claim. Although the physical aspect of the injury can be easy to determine, the emotional and psychological impact are often much more difficult to properly value. To help you know more of which damages can be compensated, here are some important things to consider:
- Possible permanent disability or disfigurement
- Total medical treatment costs and other related expenses (includes the present and future treatment costs)
- Lost wages due to missed work and time spent in rehabilitation and treatment
- Emotional damages, such as stress, trauma, depression, anxiety, embarrassment, or burdens on personal relationships brought about by the injury
- Property damage
- Loss of enjoyment in life and loss of family
For missed opportunities, experiences, and pain and suffering, the computation for what insurance companies call “general” damages can be a bit complicated. Insurance adjusters generally add all the expenses from the medical treatments (called “specials”). For more minor injuries, the “specials” is multiplied by 1.5 or 2 to get the “general” damages. For particularly severe and life-threatening injuries, the “specials” is multiplied by up to 5 (and even 10 for extreme injuries). Income lost is then added.
This computation serves merely as a guide for settlements, where both parties can negotiate the appropriate amount of compensation. There are also outside factors, where the victim may be partially at fault for the accident, and the total amount of the compensation may then be significantly lower than needed. It’s best to speak with a personal injury lawyer to assist and guide you through the process of computing and acquiring fair compensation for a personal injury suit. With the guidance of a legal professional, victims of negligent injuries may be able to seek compensation from the wrongdoings of others.