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Type of Damage
does not involve, just filing in of a claim and instantly getting the . The procedure is not as simple as that and requires examination, as well as some paper work. You will be required to assess the amount and type of damage that you have suffered. The most probable damages could include medical expenses because of injuries, pain and suffering, damage to property, and loss of income because of disability. Here we discuss each of the s separately.
Medical Expenses
Medical expenses are usually the most frequently recovered damages. For instance, if another car crashes into your car and you suffer from a fracture you will definitely incur considerable medical expenses for the treatment of the fracture, which will also include emergency room charges, doctors charges, prescription cost, surgical charges and treatment charges. Presuming there is no liability, there would be no trouble recovering all the expenses incurred for the medical treatment. This is possible, even when you have your own medical insurance, which pays for some of the medical expenses. If you have to undergo a surgery because of the fracture and you spend something to the tune of $25,000, you will recover the complete amount.
Pain and Suffering
It is impossible to put a price on the amount of pain and suffering you undergo because of the accident, as a thumb rule, insurance adjusters estimate pain and sufferings as being five times the amount spent on medical expenses. If you spent $25,000 on medical expenses you can expect $125,000 as compensation for pain and suffering. Nonetheless, a few other factors influence the exact amount that is due to you. These factors could be whether the injuries sustained involved just soft tissue or even broken bones and the length of time spent in recovering.
Loss of Income
Anyone who is in a major car accident and hospitalized loses out on work, even if it is for a single day in the emergency room. You can be reimbursed for the number of days you lose at work, even if you utilize your sick leave or annual leave. If you make $50 by the hour, and you were hospitalized for a week, you should be able to recover damages calculated using the number of days multiplied by the hours in to $50.

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Damage to Property
In an it will be possible to recover property damage. Hence, if your car was valued at $20,000 before the accident, you will be reimbursed the complete $20,000 if your car is damaged.A thing to remember is that the amount is agreed upon between the insurance company and you.

Article Originally Published On: http://www.articlesnatch.com

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