HOW WILL THE INSURANCE COMPANY VALUE MY PAIN AND SUFFERING?

Personal injury cases come with three main types of compensatory damages; medical expenses, lost income, and pain and suffering. For more severe injuries, your Morris County personal injury attorney will most likely wish to consult with both medical experts and financial experts in order to thoroughly determine the full costs of your medical costs and lost wages. In the case of an injury which prevents you from returning to your previous line of work for example, you will need to accurately calculate not only the wages you will have lost over the course of your future employment, but also factor in potential raises and promotions as well.

While determining these numbers may require expert analysis, at the end of the day they are still mathematically achievable estimates. However, how do you put a number on the pain and suffering you have experienced as a result of your accident? Each person experiences these things differently, and even if you could qualify exactly the pain and suffering you have experienced, how do you put a number to it?

When it comes to pain and suffering damages in personal injury cases, insurance companies have developed a method of compensation which is based on the type of injury in question. Of course, your Morristown personal injury attorney may not always agree with these estimates, and may advise further negotiation before accepting a settlement offer which doesn't accurately reflect your unique situation. That being said, let's take a closer look at how insurance companies generally arrive at their initial settlement offer for pain and suffering damages in personal injury cases.

The Two Types of Injuries in Morris County Personal Injury Cases

Insurance companies will generally separate injuries into two different categories, soft tissue injuries and hard injuries. Soft tissue injuries are usually less severe, non life-threatening, and not permanent. Examples include bruises, strains, and sprains. While different people will experience different levels of pain associated with these injuries, insurance companies will typically offer one to three times the value of your medical expenses as pain and suffering compensation for soft tissue injuries.

Hard injuries are usually much more series than soft tissue injuries, often requiring invasive methods to both diagnose and treat, and can sometimes cause life-long difficulties and pain for the victim. Broken bones, head or brain injuries, injuries to the spine, severe burns, and wounds which require transfusions all generally fall under this category. In accordance with the seriousness of hard injuries, insurance companies will generally offer four to five times the value of the medical expenses associated with these injuries as pain and suffering compensation.

Morris County Personal Injury Attorney Helps Recover Compensation

Pain and suffering damages (sometimes also known as "punitive damages" usually represent the greatest portion of damages recovered in any personal injury case. While it is critical that you recover medical expenses and lost income in order for you and your family to pay your bills, punitive damages are what allows you to begin to rebuild your lives, and are also what encourages negligent and reckless parties to change their ways and prevent further accidents from happening to other people.

While insurance companies do have a rough method for determining pain and suffering compensation damages, proving the extent of your injuries, and how they have impacted your life, often requires knowledgeable legal counsel. A bank teller suffering from a broken leg can probably still easily perform their work duties, but a construction most likely could not. An experienced attorney can use this knowledge to ensure the construction worker receives full and fair compensation for their lost wages. Furthermore, the exact wording used to describe your injuries can also play a role. A person representing themselves might say they suffered from a "sprained ankle", but your personal injury attorney would instead refer to it as a "torn ligament". This difference in wording can easily upgrade the injury from a soft tissue injury to a hard injury, and thus award greater compensation.

Contact our Morris County Accident and Injury Attorneys Today

At The Law Office of Smith & Doran, our law firm has extensive experience helping clients across Randolph, Parsippany, Roxbury, Morristown, and the greater Morris County to receive full and fair compensation in personal injury cases of all kinds.

Founding partner Robert A. Smith personally handles all personal injury cases, and believes that by keeping each of his clients highly informed and involved throughout the legal process, not only can he best understand their specific needs and concerns, but also to work towards a settlement which meets those needs and concerns. Robert Smith is a New Jersey Supreme Court Certified Civil Trial Attorney, an accolade held by only 2% of the active lawyers in the state. This distinction demonstrates Mr. Smith's excellence in the areas of trial skills, legal knowledge, and ability to communicate with clients.

Whether you have been injured in a car accident, truck accident, construction accident, a slip and fall, by a defective product, forklift accident, on a dangerous or poorly-maintained premises, or any other kind of accident, our firm is prepared to provide you with compassionate, effective, and dedicated legal service.

To speak with our firm today in a free and confidential consultation regarding your potential personal injury case, please contact us online, or through our Morristown office at 973-532-2661.

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The Law Offices of Smith & Doran, P.C.
60 Washington Street, Suite 302
Morristown, NJ 07960

Phone: 973-532-2661
Fax: 973-292-9168
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