The aftermath of a car accident can be overwhelming. The physical pain is hard enough, but missing work and watching your income vanish adds another layer of stress. Suddenly, you’re stuck between hospital visits, bills and the sinking worry of how you’ll make ends meet.
If the injuries you sustained in a crash prevent you from working, you are entitled to compensation for the missed wages. However, you need to present a strong case to recover what you’ve lost. Insurance companies won’t just take your word for it, which means having the right evidence.
Medical records
You need to show that your absence from work was a necessity, not a choice. Your medical reports and doctor’s notes can confirm that your injuries prevented you from working. Similarly, a physician’s statement outlining your physical restrictions and how long you should be off work can go a long way.
Proof of income
Next, you’ll need to justify the amount you’re claiming. In other words, show that you had a job and earned an income before the accident. Pay stubs and tax records are the most common ways of doing this. If you’re self-employed, business documents like invoices, contracts or even bank statements can help your case.
Consider future lost earnings
Don’t just focus on the wages you missed immediately after the crash. If your injuries permanently affect your physical or mental abilities, it can considerably reduce your future earning capacity. That’s why it’s important to factor any future lost wages as part of your claim.
Insurance companies often scrutinize every detail of your claim, and you want to present the strongest case possible. Having legal guidance can make the difference between a raw deal and a fair settlement.