If you receive an offer from the insurance company, chances are, it is much less than what your case is actually worth. This is especially true if the offer is unsolicited or if you have not yet hired an attorney. There are two things you need to understand about insurance companies. One, they seldom offer money without a demand for payment. Two, they almost always offer less to parties who do not have an attorney. This means, if you receive an offer from the insurance company, it likely means they know you have a strong case.
Never sign a settlement offer before you talk to a premises liability attorney. Your attorney can help you get a better understanding of what your case is worth and the items it should cover.
While every case is different, common costs include:
Medical bills: This may include doctor visits, surgeries, medication, physical therapy, hospital stays, and rehabilitation. For serious injuries, you may have a right to future medical costs, payable as a lump sum included in your final money award.
Lost wages: If you lose time from work, your case may include lost wages. Lost wages typically start on the first day you miss work and continue until you can return to work. If your injuries limit your activities and prevent you from returning to work, your attorney may request future lost wages.
Pain and suffering: Pain and suffering is a broad term that covers most non-economic costs. Examples of these costs include physical pain, emotional distress, depression, anxiety, disfigurement, and loss of enjoyment.
Wrongful death: Unintentional injuries are one of the leading causes of death in the United States. If someone you love dies because of another person’s negligence, you or another member of your family may have a wrongful death claim. These damages can help you recover the costs associated with your loved one’s passing. Costs may include funeral and burial expenses, lost wages, outstanding medical debt, and pain and suffering.