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Motor Vehicle Compensation A motor vehicle is any device used to transport people or property through public highways, and is powered by mechanical means. Motor vehicles include cars, trucks, buses, motorcycles and even aircrafts. Two studies have found that interfacing with insurance companies while claiming compensation from the result of a motor vehicle accident was associated with elevated levels of anxiety. Further research is needed to understand why this happens. Damages The value of a motor vehicle accident claim is determined by the specific costs and damage you have suffered. An attorney for personal injury can help you determine the fair compensation for your specific circumstances. Damages are commonly categorized as “special” and “general.” Particular damages are the ones that can be considered as a cost that are not deductible, like medical expenses or car repair costs. General damages aren't as straightforward to calculate and can include non-economic components like suffering and pain. If your injuries are severe enough to be considered by New York law as a serious injury, you could be entitled to additional compensation above and above what an insurance company will offer you. If you suffer from an ongoing disability that substantially impacts your life quality it is possible that you are entitled to compensation for loss of consortium and other non-economic damages. You could also be able to claim reimbursement for the cost of using taxis, public transportation and ridesharing services if you were unable to not drive after your accident. You can also claim expenses to maintain your yard or home when you cannot do it because of your injuries. You could be eligible to get the loss back in resales for the vehicle you damaged. In certain circumstances the defendant could be ordered to pay punitive damage if it is determined that they intentionally caused the accident. These damages are intended to penalize the responsible party for recklessness or negligence. Medical bills Medical expenses can be costly for those who suffer from motor car accidents. Some insurance policies for car owners include medical payment coverage, also known as med-pay, that can help with the expenses. This coverage is typically accessible regardless of who is who was at fault in the crash. It is important to remember that medical coverage does not substitute for health insurance. In fact, a person who is injured should always file a claim using their own health insurance first before filing a claim with the car insurance company of the driver at fault. company. You may also be able to receive reimbursement for the cost of transportation to and fro medical appointments. To ensure they receive a fair amount of compensation, the victims need to be careful in keeping track of and saving receipts. In addition, No-Fault insurance can compensate a victim for lost wages when they are unable work due to their injuries. The maximum amount that is able to be claimed is $2,000 per month for a period of no more than three years. The No-Fault company can also be legally required to offset any Disability, Workers' Compensation, or Social Security benefits that the injured party receives. Despite the financial aid that might be available, it may take months, and even years, for a fair settlement to be reached. In the meantime medical debt collectors could contact you, and unpaid bills could be a major hazard to your credit rating. To avoid this, a victim should establish an attorney-client relationship with a law firm offering representation in auto accident cases. Loss of wages An accident in the car can put you in a state of financial stress. Medical bills as well as credit card debt and loan installments may accumulate while you are not able to work. In addition the loss of income can cause stress to your family. An experienced lawyer for car accidents can help you recover lost wages as part of your compensation award. You'll need proof that you lost wages. This can include proof of your salary, your hourly wage, as well as the number days missed because of injury. You can use a letter from the employer or pay stubs as well as bank statements, tax return and so on. If you are self-employed, or you earn commissions the proof of your income may be more difficult. However, motor vehicle accident attorneys nevada will assist you gather the evidence to back your claim. You can only recover your lost wages as part of your car accident claim. You are not able to get your lost wages back from disability insurance or worker's comp as it would be double recovery. The insurance company that is no-fault will send you to a doctor they contract to assess you and determine whether, in the physician's opinion, the injuries you sustained prevent you from working. This is known as an independent medical examination (IME) and it's important to remember that the physician who performs your IME is biased towards the insurance company. Suffering and pain As opposed to medical bills or lost wages, it's hard to quantify the pain and suffering that comes from a motor vehicle accident. The emotional trauma caused by a car accident can be more debilitating than the physical injuries. A person suffering from PTSD might suffer from insomnia or anxiety, which may make it difficult to sleep well. They could also be unable driving due to fear of another accident. An attorney can help determine the value of your non-economic damages and work with a jury to determine how much to award for your suffering and pain. This figure is also affected by the degree of your injuries and how they affect your daily life. It could be beneficial to keep a diary or have your family or friends provide written evidence. Some states have a cap on the amount awarded for pain and suffering. New York does not, but victims are legally able to file a suit and seek compensation for serious injuries, not just minor ones. It is crucial to speak with a Manhattan car accident lawyer to determine the true value of your injuries and the best way to prove that you are entitled to fair compensation for both your economic and non-economic losses.