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How Much Do Insurance Companies Pay for Pain and Suffering?

If you've experienced an injury or have been medically harmed and believe that you have a personal injury claim, it's essential to know some basic information about how the process works. For example, it's a good idea to understand how long a case can take, who can be held accountable, and how pain and suffering damages are calculated. So how much do insurance companies pay for pain and suffering? This is dependent on the extent of your injuries and whether the case goes to trial or settles through negotiations before a trial occurs. Because the costs associated with going to court can be astronomically expensive, these types of lawsuits are often settled through negotiation which can be much more cost-effective for the defendant.

The first thing you should do is contact an experienced personal injury attorney. They will be able to discuss your case with you and determine if you have a viable legal claim or not. Make sure you choose an attorney who offers a free consultation. You should never have to pay a lawyer or a firm just to meet with them for the first time while deciding who to hire. At Morgan & Morgan, we know money can't solve everything, but if you're entitled to damages for an injury you've suffered, we will do everything in our power to make sure you get the compensation and justice you deserve. Contact us today for that free consultation. 

How Are Personal Injury Settlements Paid Out?

Almost all personal injury cases are settled before they get to trial through negotiation. It’s quite rare to go through a full trial. So how are personal injury settlements paid out? Fortunately, your attorney will take care of most of the details. Once your lawyer is able to come to an agreement with the defendant about how much the case will be settled for, your attorney will receive the settlement money. They will then distribute a check for that amount to their firm. Since you don't pay your attorney anything until you win or settle the case, they receive the settlement and take the agreed-upon fee.

Once they take their share, they will make sure your medical bills are paid, and any other outstanding debts and bills are then covered. After that, you should receive the remaining amount. This is what is called hiring an attorney on a contingency fee basis. It’s the most common way that a personal injury or medical malpractice case is handled by most reputable law firms.

It's important to note that once you settle a claim, that's truly the end of it. You generally will not be permitted to reopen a claim if your injuries flare up or get worse, so it's important to make sure you're satisfied with the settlement amount. 

How Is Pain and Suffering Calculated?

If you've filed a personal injury lawsuit, you might be wondering how to calculate your pain and suffering and also, how much do insurance companies pay for pain and suffering? These questions are complicated, but if you hire the best attorney who has the experience necessary in handling these types of cases, they will make sure you get the results you deserve.

Calculating pain and suffering, and determining how much compensation you're entitled to is tricky because it's such a subjective experience. However, it needs to be quantified in such a way that the court will be able to come up with a proper and correct monetary amount of which you are entitled. The best way for you to do this is to come up with objective ways to quantify your experience.

To objectively quantify your subjective experience, you and your attorney will:

  •        Study your medical records
  •        Review X-rays and other imaging 
  •        Take and review photos of your injuries
  •        Obtain and study all notes from doctors, physical therapists, and other medical personnel that treated you and possibly contributed to your injury (in fact, an experienced attorney will collect all medical records)
  •        Speak with doctors and/or physical therapists and any additional professionals who will be responsible for treating you in the future because of the injuries you've suffered due to the manner in which the hospital treated you
  •        Create a list of activities that you were able to do before the injury occurred that you're no longer able to do
  •        Interview friends, family, co-workers, and employers about how your life and work productivity has changed
  •        Consult with expert witnesses regarding your levels of pain

Once all of these things have been accomplished, your attorney will share it with the court so the damages can be determined.

Can You File a Lawsuit Against a Hospital or Just a Specific Doctor?

If you've suffered an injury due to medical malpractice, you might be wondering how to file a lawsuit against a hospital. Is that even possible? If you've been harmed or suffered an injury due to a case of negligence, can you sue the actual hospital or only the doctor or medical professional involved? The short answer is: you can file a lawsuit against just the hospital or the doctor. While it's true that there's probably a specific person who is liable for your injury, it is possible to file a lawsuit against a specific institution.

When hospitals hire doctors, nurses, and other medical professionals, they must make sure they are hiring licensed and competent employees. They must check a potential employee's education, training, and credentials. They should also look into their background to see if any other serious negligence claims or valid complaints have been filed against them at their previous places of employment. The hospital has a responsibility to ensure that they have enough doctors and other well trained support staff in place in order to maintain quality care and treatment for all the patients they serve. All medical institutions and employers have a duty to determine that the people they employ have not been involved in significant numbers of complaints or serious medical malpractice lawsuits. The doctrine of respondeat superior is what holds hospitals liable for their employees’ negligence.

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