An Accident Shouldn’t Ruin Your Career: How to Estimate Pain and Suffering


As a successful businesswoman, you can’t afford to let an accident derail your career. If you should get hurt in a car wreck or other act of negligence, it’s vital that you secure a swift and fair settlement that enables you to press onward with your career and continue to provide for your family.

Understanding pain and suffering

The challenge with pain and suffering cases is that it’s difficult to put a financial figure on such a personal experience. While the doctor’s bill for a broken arm is pretty straightforward, how do you accurately assess the loss of work, emotional trauma, and psychological pain related to the accident?

It seems next to impossible. Fortunately, there are methods designed to make the process as fair as it can be when it becomes necessary.

First, it’s important to understand what’s involved in these cases. You have to look at the current pain and suffering, as well as estimate future pain and suffering, when calculating a settlement. This will include details such as actual physical pain, emotional depression, anxiety, memory loss, physical disability and limitations, loss of consortium, emotional trauma, and more.

Multiplier and per diem approaches

You can simplify the process by employing an accident settlement calculator and one of the two preferred equations: the multiplier method or per diem method.

  • Multiplier method. This approach takes a financial figure based on economic factors like medical bills and lost wages, then applies a multiplier factor to adjust that amount so it’s somewhat in line with the severity of your case. The multiplier typically falls between one and four and is derived from a number of factors such as injuries sustained, long-term outlook, and permanency of pain. In other words, the financial figure is calculated directly from bills and income statements, while the multiplier is subjective.

Example of the multiplier method: Let’s say your medical bills were $5,000, and two weeks of lost wages amounted to $2,000. That makes the total economic damages $7,000. Because you’re likely to suffer from chronic back pain in the future and have suffered some emotional trauma as a result of the accident, your multiplier might be determined to be a two. The result would be a $14,000 payment.

  • Per diem method. The second widely used method is based on the “per day” value of your pain. In other words, you get reimbursed a certain amount for each day you have suffered. This method is ideal for people who make a lot of money, because the amount you get paid is usually tied directly to your daily income.

Example of the per diem method: Let’s say you make $200 a day and you’re required to receive ongoing medical treatment for 60 days. Your total pain and suffering would equal $12,000.

Get what you deserve

If you’ve been hurt as a result of someone else’s negligence, you deserve financial compensation for your pain and suffering. Thankfully, the law allows you to be repaid for you medical expenses, as well as any physical or emotional pain that has already happened or will likely occur in the future.

Make sure you locate a lawyer who can help you get what you deserve so you can move on with your life and work.

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