Often discussed when an accident occurs, pain and suffering is a legal term that refers to physical and emotional damages. Pain and suffering encompass not only the physical pain that you experience but also some of the loss of activities that result from the type of accident that you've been involved in.
How to Negotiate Pain and Suffering in a Car Accident Claim Prepare well. Learn about pain and suffering. Keep your tone with the adjuster professional. Explain how the injury affected your life. Do not be shy. Tell the insurance adjuster how painful the whole experience was. Explain how painful the treatment was.
New York does not impose any statutory caps or limits on damages for pain and suffering. There is no specific dollar amount that acts as a hard limit on damages for pain and suffering. This means your damages may be as great as you see fit, at least within reason.
Proving Pain and Suffering To establish either physical or emotional pain and suffering, documentation and evidence must support the claim. This evidence may include: Doctor's notes. Medical evidence. Photographs.
If you and your family members don't have health insurance or have a plan that doesn't offer all the benefits of PIP, it might be in your best interest to get as much PIP coverage as you can comfortably afford. Consider the financial impact of an injury-causing car accident when deciding your PIP limits.
Personal injury protection (PIP), also known as no-fault insurance, is a type of car insurance coverage that helps cover expenses like medical bills, lost wages or funeral costs after a car accident, no matter who is at fault. Requirements for this coverage vary from state to state.