Understanding Personal Injury Claims And Compensation

​Interacting with your insurance provider is a common occurrence, especially when seeking compensation for injuries caused by someone else's negligence or wrongdoing. Tort laws provide you with the legal avenue to file a personal injury claim and seek damages for the harm you've suffered. In such cases, the defendant, or their insurance company, may offer a settlement outside of court. To make informed decisions regarding your claim, it's essential to understand the potential value of your case and the various types of compensation available to you.

Injury Types That May Be Compensated
When filing a personal injury claim, various types of damages can be covered, depending on the circumstances of your case. Here are the key categories of personal injury damages for which you may qualify:

1. Punitive Damages
Punitive damages come into play when the defendant's actions go beyond simple negligence and involve malicious harm. It's important to note that punitive damages do not aim to recover your monetary losses but rather to punish the defendant for their wrongful conduct. The court determines the amount of punitive damages based on the severity of the defendant's actions.

2. Economic Damages
Economic damages encompass injuries that have a direct impact on your financial well-being. These damages typically arise when you are physically harmed to the extent that you are unable to work. You may be entitled to economic compensation for:

• Medical expenses related to your injuries.
• Lost wages due to your inability to work.
• Property damages resulting from the incident.
• Other financial losses incurred as a direct result of the injury.

3. Non-Economic Damages
Non-economic damages, on the other hand, encompass injuries that do not directly affect your finances but have a significant impact on your life. These damages can include both mental and physical suffering, and you may be compensated for:

• Loss of companionship or relationships.
• Effects on your mental health.
• Pain and suffering endured as a result of the injury.
• The inability to enjoy life as you did before the incident.

4. Damages for Wrongful Death
In cases of wrongful death, where an individual dies due to negligence or intentional actions, compensation may be sought by the immediate family. Damages that can be covered in such situations may include:

• Loss of companionship.
• Expenses related to burial services.
• Funeral costs.
• Medical expenses incurred before the individual's death.
• Financial losses suffered as a result of the deceased's passing.

Consulting Your Insurance Provider
When dealing with personal injuries, you have the option to pursue resolution through an insurance settlement or a lawsuit. The quicker and less complex route is typically settling with your insurer. However, if this proves challenging or unsatisfactory, you may seek the assistance of a personal injury lawyer to help you navigate the legal process and ensure that you receive the compensation to which you are entitled. Understanding the various types of damages available to you is crucial in making informed decisions regarding your personal injury claim.

​At Auto Express Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (832) 232-4655. You can also request a free quote by CLICKING HERE.

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​