You are entitled to recovery of all losses that you suffered as a direct result of the incident and compensation for the suffering that was caused by the incident, including:nnMedical costs and future medical expenses, including medications, medical equipment, in-home care, and long-term care, when necessary,nLost wages and lost future earning potential,nProperty damage,nLoss of consortium and loss of companionship,nDisfigurement or scarring,nOther expenses that were incurred because of the incident,nPain and sufferingnWrongful death and survivor damages including burial expenses, andnPunitive damages when appropriate.