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The insurance company may not act in your best interest during a property damage claim negotiation. The goal of the insurance company is to minimize the amount they have to pay on the claim. The insurance company will not go out of its way to pursue the maximium from the responsible party for you. You should keep records and document damage to all property. This would include locating and gathering receipts as well as taking photographs and gathering any physical evidence of damaged items.

Medical care

Medical expenses

Lost earnings

Loss of quality of life

Personal injury

Personal injury may result from a car or truck accident, a work related injury, medical negligence, and dangerous or defective products. Personal injury falls under Tort law. Tort law can apply to our bodies, property, financial resources, reputations. Victims of personal injury may seek compensation from the wrongdoer. Financial losses may have occurred because of personal injury such as business practices, public defamation of character.

Personal injury may be caused by negligence, malpractice, or willful misconduct (an example of willful misconduct is murder). Under federal, state, or municipal laws. monetary compensation may be available to the victim of such personal injury. An attorney will help guide you through the complex legal and business issues regarding personal injury claims.

Talk to an attorney at Phillips & Lyon who is experienced in personal injury matters.

Insurance coverage

Pain and suffering

Pain and suffering is defined as the physical or emotional distress as a result of an injury. The party who is injured has a right to seek compensation in the form of money. The amount owed by the defendant to cover the plaintiff’s pain and suffering is determined apart from the amount owed for medical bills and time the plaintiff could not be at work due to the injury.

When dealing with an injury case, a jury has a difficult task when placing a value on pain and suffering. Insurance companies and attorneys do not have a specific formula or chart or guideline when it comes to pain and suffering compensation. Every injury case is unique and should be evaluated thoroughly.

Plenty of factors need to be considered when determining how much money a plaintiff should be awarded for pain and suffering. The credibility of the witness is one factor that insurance companies and juries take into consideration. They look at whether the injured person acted as though they were in pain. They also look at pre-existing injuries, if there were any. Whether life activities were changed is also a factor. Also, do they make a sympathetic witness.

Pain and suffering is the physical and mental distress caused as the result of an injury. The physical distress could include broken bones and internal ruptures. What also is included is aches, pain, temporary and permanent limitations on activity. Life expectancy is also affected. An individual may be depressed as the result of an injury. General damages are able to be recovered if an individual is injured by another party’s intentional attack or negligence. Medical bills, future medical expenses, and lost wages are added to determine "special damages” – the monetary value of damages for pain and suffering is unique for each case.

Permanent damage as a result of accident