If you end up seriously hurt in a car crash, Pennsylvania law may allow you to seek compensation through a personal injury claim. Under the state’s hybrid insurance system, the type of policy you have or the severity of your injury determines your ability to recover damages. When you are eligible to pursue a full recovery, you can pursue reimbursement from the at-fault driver for all your losses related to the accident.
Medical expenses
Your ongoing care and treatment costs can be included in your claim, such as:
- Hospital stays
- Surgery
- Doctor visits
- Medications
- Physical therapy
Compiling your medical records, billing statements and physician’s testimony can help prove that you need these procedures in order to recover. Your evidence can also connect the car accident to your injury to meet causation requirements from the insurance provider.
Lost income
If you miss work because of your injury, you may be able to recover your lost wages. Pay stubs and tax returns can show your usual pay. Additionally, a statement from your employer can confirm how much time you missed.
Reduced earning capacity
Severe injuries can keep you from returning to your old job or limit your future job options. You can show how the car accident hurt your long-term earning ability with work records and job ability assessments.
Pain and suffering
When a car crash leaves you seriously hurt, you may also experience emotional distress that can impact your daily activities and relationships. You can substantiate this aspect of your claim with documentation from medical and mental health professionals.
Future care costs
If your injuries leave you with permanent damage, you may need continuous support even after you have reached a maximum medical improvement. Insurance may pay for your future medical and long-term care costs if you can show proof that they are likely to happen and were caused by the car collision. You may present notes from your treating physician and life care planning documents to prove the need for these future costs.
Securing the recompense you deserve
When seeking fair compensation, keeping detailed records of your treatment and recovery is a crucial part of the process. In addition to collecting evidence, a legal professional can help assess the full extent of your damages and negotiate with insurers for you. Taking these steps early can position you for a better outcome.