▷ Who pays the wages lost in a car accident?
When you are injured in a car accident, many things change in your life. Not only do you need medical attention, you also have to go through a time-consuming recovery process. Sometimes, rest means losing your job for several weeks or months. So questions arise: Can I get paid if I lose my job after an accident? Who pays the wages lost in a car accident? Read on, in this article we will answer your questions.
What are lost wages?
In the event of a car accident, "lost wages" refers to the money you would have earned from your employer from the time of the accident until the date of the transaction or sentence. Your injuries must come from the car accident and not from other events.
Please note that "lost earning power" and "lost compensation" must be considered separately as they are different types of damages. Loss of earning ability means any disability that results in a reduced ability to work. Loss of compensation, on the other hand, refers not only to the loss of wages, but also to other financial benefits (for example, bonus pay and other job benefits) that you could have earned had you not been involved in the accident.
Here's what to do after a car accident
Can i get paid if i lose my job after an accident?
Yes, you will be able to recover the salary you would have earned if you hadn't skipped your job to get medical care and recover from injuries. However, a personal injury claim must be filed. Although you can do it yourself, it is best to hire the services of a personal injury lawyer.
When you have an accident and someone else is responsible, you have the right to ask compensation. It is possible to request compensation for economic and non-economic damages.
Economic damages are paid to compensate the financial costs that are directly related to your accident. Lost wages and benefits fall into this category. Compensation for lost wages should help you get back to the financial position you were in before you were hurt, as if you never suffered a financial loss.
Do auto insurers report accidents to the DMV?
Will I be able to claim lost wages if I am self-employed?
Yes. Lost wages and lost income are just not available W-2 employees (those who work for others). You can also get paid if you work for yourself. However, proving your losses can be a little more complicated. You will need to collect documents and evidence not only to prove that you have lost income, but also to show how much you have lost due to your injury.
If you are self-employed, some of the documents you need to collect to prove your losses are:
- Prior year state and federal tax returns
- Form 1099 and other tax forms
- Evidence of contracts and projects that you have not been able to complete
- Evidence of canceled appointments
- Bank statements
Well now we know that you will be able to claim lost wages to get yourself back on your feet financially. But, Who pays the wages lost in a car accident? We will explain it to you immediately.
Who pays the wages lost in a car accident?
In general, you will have the following options to recover lost wages in the event of a road accident:
- Contact your insurance company
- Check with the other driver's insurance company if he is at fault
- Sue the other driver if the case is serious
Note: It is strongly recommended that you wait until the end of your medical treatment and that your condition is stable before submitting your request.
The damages you can normally recover depend on the type of policy and the insurance coverage you have available:
- Personal Injury Liability Coverage: If the other driver caused the accident, you may be able to file a lost wage claim through that driver's personal injury liability coverage.
- Uninsured / underinsured motorist coverage: If an uninsured driver caused the accident, you can collect the lost wages through your uninsured or underinsured motorist coverage, if available.
- Personal Injury Protection Cover (PIP): this applies to no-fault states. Regardless of who was to blame, you could collect the lost salary from your insurance company up to the limit of the undercover PIP policy.
After making a request to the insurance company, they will most likely ask you to:
- Undergo an independent medical examination e
- Present medical documents
- Complete an employment authorization form to allow your employer to provide information about your employment to the insurance company
Read the documentation and forms carefully, with them you allow access to your medical records and personal employment information.
IMPORTANT: When filing a claim, be sure to include detailed and accurate statements about your lost salary. If any of the supporting documents are incomplete or inaccurate, your loss of salary claim may be denied.
How much does the insurance go up after an accident?
Get legal help to file a loss of salary claim
While submitting your recent paychecks can serve as proof, it may not be enough to collect lost wages. Filing a loss of salary claim can involve complex legal issues relating to your medical condition. To get the compensation you deserve, we recommend that you consult a lawyer who is experienced in traffic accidents and personal injury.
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