The Covered Damages
If you are injured by someone else’s negligence, there are several important categories of damages for which you can seek compensation.
Property Damage
If, for example, the accident in question is a traffic accident of some kind, you can seek compensation for property damage to your vehicle
Medical Costs
The medical expenses that often attend personal injury claims can be exceptionally high. The fact is that serious injuries do not necessarily heal and that is the end of that. They can lead to the need for ongoing medical treatment and care and to secondary health concerns that can be very serious in their own right. Some of the medical costs that are commonly associated with personal injury claims include:
- Emergency care at the scene of the accident
- Emergency transportation from the scene of the accident
- Surgical care and follow-up care
- Hospital stays
- Medical treatment, care, tests, and procedures
- Care from doctors, specialists, and other medical professionals
- Pain management
- Prescription medications
- Physical and/or occupational therapy
- Rehabilitation
- Adaptive physical devices and adaptations to home, office, and/or vehicle
- Home health care
- Assistance with the activities of daily living (for those who suffer certain catastrophic injuries)
Lost Earnings
While you recover from your physical injuries, you can expect to be off the job and to experience a decrease in the income you bring home. This is difficult enough, but if your ability to earn into the future is affected, the financial consequences can be devastating. If your ability to do your job is compromised or is completely destroyed, it can have as serious emotional consequences as it does financial consequences. Many of us derive important emotional strength from our careers, and having this dashed by someone else’s negligence can have a profound effect on one’s future.
Pain and Suffering
The physical and emotional pain and suffering associated with being injured by someone else’s negligence in a frightening accident can be difficult to overstate. The physical pain can be physically debilitating, and the psychic pain can haunt its victims. The emotional consequences that are commonly associated with personal injury claims include the following:
- Increased anxiety and/or anxiety attacks
- Terrifying accident flashbacks
- Sleep disturbances that can include insomnia, nightmares, and/or night terrors
- Depressive episodes and feeling of hopelessness
- A tendency to self-isolate and to distance oneself from loved ones
- Severe mood swings
- Increased irritability
- Emotional lability
- Difficulty moving forward in life
It is critical that your personal injury claim adequately address every facet of your damage in order to help ensure that you receive just compensation that allows you to pursue the help you need to reach your fullest recovery.
The Position of the Insurance Company
You will file your personal injury claim with the insurance provider of the at-fault party, and while this is fairly straightforward on the surface, the fact is that it may be anything but. While the insurance company is paid to cover your related damages, it is – first and foremost – a for-profit business that, like other businesses, is very invested in keeping its profits high (and its settlements as low as possible). In its efforts toward this end, the insurance company has wide-ranging techniques at its disposal.
Early Settlement Offer
You have been injured by another party’s negligence, and you are about as vulnerable as you can be. You’re healing from physical injuries – not to mention the emotional pain and suffering you’ve endured – while also contending with seemingly never-ending medical bills and the financial consequences of lost earnings. When the insurance company gets back to you swiftly with an early settlement offer within this context, you may be very tempted to accept (out of financial desperation if nothing else). The insurance company is well aware of the effect its early settlement offer is likely to have on you, and is hoping you buy in. The fact is that, if the accident and your attendant injuries are serious, calculating the extent of your damage is likely to be a complicated process, and accepting a settlement offer before you’ve accomplished this task will leave you with no legal recourse down the road when you encounter additional expenses and further damages. The most important point to keep in mind is that it is always in your best interest to consult with an experienced personal injury lawyer who is familiar with your claim before signing off on a settlement offer.
Claim Denial
If the insurance company gets right back to you with a claim denial, you may feel like – who am I to disagree – and this is exactly the effect the insurance company is going for. Claimants often buy into the insurance company’s overall attitude that it has the final say in these matters and that what it says goes. While this notion gets a lot of play, it is far from the truth of the matter. Ultimately, the law will decide if your claim is viable and what your legal damages are. If the insurance company refuses to negotiate in good faith, your personal injury lawyer will likely advise you to move forward with a lawsuit – allowing the court to make the final determination.
Shifting Blame
If the insurance company’s response is to attempt to shift blame off its policyholder and toward you, it may help to know that this is a common insurance tactic. In your vulnerable state, the insurance company may have no trouble convincing you that you are responsible for the accident that left you injured, but it’s important for cooler heads to prevail. Your dedicated personal injury lawyer will not move forward with your claim if he or she does not believe it’s viable, which means that fault (beyond your lawyer’s estimation on the matter) is not something you need to concern yourself with.
Prolonging the Claims Process
Personal injury law claims are complicated, and you can expect yours to be lengthy. This does not. However, give the insurance company carte blanche to artificially complicate and prolong the process, which is generally an attempt to smoke out claimants who are losing hope to begin with. There are strict rules and restrictions in place to help stop these less-than-honest practices, and your personal injury lawyer will fight for your rights throughout the process – and will be sure to highlight any industry restrictions the insurance company breaks in its efforts to break you.
