If you have been injured as a result of someone else’s negligence and have taken the matter up with the insurance company involved, you may question whether the settlement offer they have made actually covers you for the full range of damages you’ve suffered. And that is a legitimate question. The fact is that it very likely does not, but an experienced New Jersey personal injury attorney can help.
Calculating Your Damages
While every accident that results in a personal injury claim is unique to its own set of circumstances, there are several categories of damages that commonly apply, including:
- Medical Expenses – Your medical expenses can be extensive and may include emergency care at the scene of the accident, emergency transportation, surgery and follow-up care, treatment and care from doctors and specialists, physical therapy, prescription medications, and much more. The fact is that, if your injuries are serious, you may not know the full extent of your medical expenses until a considerable amount of time has passed. Further, you could be facing serious medical needs into your future. It is important not to accept an offer from the insurance company until the scope of your medical needs is established.
- Lost Wages – If you have been seriously injured, it’s very likely that you’ll miss work and lose wages. Depending upon the nature of your injuries, you could also experience a diminished earning capacity into your future and may be facing an altered career trajectory. All told, your loss of wages can be expansive.
- Pain and Suffering – The physical and emotional pain and suffering you experience as a result of a dangerous accident can be overwhelming and should not be discounted in your insurance settlement offer.
The Insurance Company’s Tactics
You’ve been injured, and you may reasonably think that the insurance company involved will honor its coverage and compensate you for your losses, but it just isn’t that simple. Massive insurance companies are in the business of turning massive profits, and they do this by minimizing settlements through whatever means are available to them. The fact is that insurance reps are adept at pressuring claimants like you into signing off on settlements that don’t cover the full range of their damages. After having been injured, you’re naturally vulnerable, and as you watch your bills pile up, it can make the insurance company’s lowball offer seem like the only way out.
Discuss Your Insurance Settlement Offer with an Experienced New Jersey Personal Injury Attorney
If someone else’s negligence leaves you injured, obtaining compensation that covers the full range of your damages is paramount to your ability to reach your fullest recovery. The dedicated New Jersey personal injury lawyers at Leonard Legal Group – serving the entire state of New Jersey– are committed to applying their considerable experience, skill, and resources to obtaining the compensation to which you are entitled. We’re here to help, so please don’t hesitate to contact us online or call us at 973-984-1414 for more information today.