If you have been injured in an accident that was not your fault, you are likely very relieved to find out that the at-fault party was insured. You may be wondering what type of compensation you can expect from the other party's insurance company, so read on to learn more about what you may be entitled to receive because of your injuries and damages.
The term "damages" can be used to describe the dollar amount that you deserve and can expect from the insurance company, including:
1. Medical expenses. All medical treatment rendered from the time of the accident until, in some cases, well into the future. This includes ambulance services, hospitalizations, physician services, medication, in-home care and more.
2. Personal property. This normally includes your vehicle repair or replacement, but can also be extended to include your child's car seats, handbags, a cell phone, etc. Anything lost as a result of the accident is reimbursable.
3 Lost wages. Any time you had to take off from your job for medical treatment or to recuperate at home is admissible as damages. In some cases, you may be able to prove that the accident caused you to miss out on potential income, such as an important client meeting or a required training class that could have reasonably led to a bonus or salary increase. It should be noted that if you had to use sick leave or vacation time to keep the money flowing because of your accident, you are entitled to be reimbursed for that loss. A permanent injury could entitle you to a lump sum settlement for a lifetime of missed career opportunities, depending on your age, your salary, and other factors.
4. Miscellaneous losses. If you missed a planned vacation or flight because of the accident, you may have a claim for reimbursements of money forfeited.
Pain and Suffering
This final, and sometimes most valuable, damage is not a given when going through the insurance company for damages. Only by filing a personal injury suit can you hope to be compensated for the enormous emotional toll a serious auto accident can take on you and your family. Common symptoms of mental stress include problems sleeping, anxiety, depression, moodiness and even PTSD.
If you feel that the compensation from the at-fault insurance company is likely to fall short of properly addressing your damages, contact a personal injury attorney to help you get what you need and deserve.
For a personal injury attorney, contact a law firm such as Gartner Law Firm.