When you’ve been injured in an accident, it’s beneficial to understand how compensation works.
While medical bills and lost wages can be calculated relatively easily, determining the value of pain and suffering is more complicated.
At Rosenberg & Gluck LLP, we help clients pursue compensation for their pain and suffering damages. Here’s a quick look at how these calculations work.
What Constitutes Pain and Suffering?
Before diving into calculations, it’s important to understand what legally qualifies as pain and suffering. Pain and suffering damages fall into two main categories:
Physical Pain and Suffering
- Actual physical pain from injuries
- Physical discomfort during recovery
- Ongoing chronic pain
- Physical limitations and disabilities
- Future physical pain related to the injury
- Reduced mobility or flexibility
- Physical therapy requirements
- Need for assistive devices
- Chronic fatigue or weakness
- Physical deformity or disfigurement
Mental Pain and Suffering
- Emotional distress
- Mental anguish
- Loss of enjoyment of life
- Depression and anxiety
- Post-traumatic stress disorder (PTSD)
- Sleep disturbances
- Relationship difficulties
- Loss of consortium
- Social isolation
- Fear and panic attacks
- Memory problems
- Concentration difficulties
- Mood swings
- Loss of self-esteem
- Impact on career goals
Methods Used to Calculate Pain and Suffering
The Multiplier Method
One of the most common approaches used by insurance companies attorneys is the multiplier method. This involves:
- Taking the total of economic damages (medical bills, lost wages, etc.)
- Multiplying that number by a factor between 1.5 and 5, depending on:
- Severity of injuries
- Length of recovery
- Impact on daily life
- Permanence of injuries
- Clear liability of the defendant
Determining the Appropriate Multiplier
The specific multiplier used depends on several factors:
1-2x Multiplier:
- Minor injuries with full recovery
- Limited medical treatment
- No permanent effects
- Minimal impact on daily life
- Short recovery period
2-3x Multiplier:
- Moderate injuries
- Extended recovery period
- Some lasting effects
- Noticeable impact on quality of life
- Significant medical treatment
3-4x Multiplier:
- Serious injuries
- Long-term recovery
- Permanent partial disability
- Major life impacts
- Extensive medical treatment
4-5x Multiplier:
- Severe or catastrophic injuries
- Permanent disability
- Life-altering impacts
- Extensive ongoing medical needs
- Clear defendant liability
The Per Diem Method
This approach assigns a daily rate to pain and suffering, often based on:
- Your daily earnings before the injury
- The severity of your pain
- The expected duration of recovery
- Impact on daily activities
- Level of medical care needed
Calculating the Daily Rate
Factors considered in determining the daily rate include:
- Pre-injury salary
- Nature of injuries
- Level of pain
- Impact on daily activities
- Medical treatment frequency
- Rehabilitation requirements
- Loss of independence
- Quality of life changes
Factors That Influence Pain and Suffering Calculations
Severity of Injuries
- Type and extent of physical injuries
- Need for surgery or extensive medical treatment
- Presence of permanent injuries or disabilities
- Impact on mobility and daily activities
- Scarring or disfigurement
- Recovery timeline
- Risk of future complications
- Need for ongoing care
- Impact on life expectancy
- Required lifestyle modifications
Medical Documentation
- Detailed medical records
- Treatment plans
- Physical therapy reports
- Mental health evaluations
- Expert medical testimony
- Diagnostic test results
- Medication records
- Surgery reports
- Rehabilitation progress notes
- Specialist consultations
Impact on Daily Life
- Ability to work
- Participation in regular activities
- Care for family members
- Engagement in hobbies
- Social relationships
- Personal care abilities
- Sleep quality
- Exercise capacity
- Travel limitations
- Recreational activities
Evidence Quality
- Accident reports
- Witness statements
- Photographic evidence
- Expert testimony
- Medical records
- Video documentation
- Insurance assessments
- Police reports
- Employment records
- Personal journals
New York-Specific Considerations
No-Fault Insurance Requirements
New York is a no-fault insurance state, which means:
- Basic personal injury protection (PIP) coverage is required
- You must meet the serious injury threshold to pursue pain and suffering damages
- Claims must typically exceed basic no-fault coverage
- Minimum coverage requirements apply
- Time limits for filing claims exist
- Specific documentation is needed
- Medical exam requirements may apply
- Coverage limitations are strictly enforced
Serious Injury Threshold
Under New York Insurance Law § 5102(d), a serious injury includes:
- Death
- Dismemberment
- Significant disfigurement
- Fracture
- Loss of a fetus
- Permanent loss of use of a body organ, member, function, or system
- Permanent consequential limitation of use of a body organ or member
- Significant limitation of use of a body function or system
- Medically determined injury preventing usual activities for 90 days
Meeting the Threshold
To meet the serious injury threshold, you must:
- Provide objective medical evidence
- Document injury severity
- Demonstrate permanent effects
- Show significant limitations
- Prove impact on daily life
- Establish clear causation
- Present expert testimony
- Document recovery attempts
Strengthening Your Pain and Suffering Claim
Comprehensive Documentation
- Keep a detailed daily pain journal
- Record all medical appointments
- Document medication usage
- Track therapy sessions
- Photograph visible injuries
- Save all medical bills and records
- Monitor progress and setbacks
- Note lifestyle changes
- Record emotional impacts
- Document family effects
Medical Compliance
- Attend all scheduled appointments
- Complete prescribed treatments
- Follow rehabilitation programs
- Take medications as directed
- Report new symptoms promptly
- Participate in therapy
- Follow activity restrictions
- Maintain treatment records
- Communicate with providers
- Schedule follow-up care
Life Impact Documentation
- Track missed workdays
- Document canceled activities
- Record relationship changes
- Monitor sleep patterns
- Note emotional challenges
- Track productivity changes
- Document social limitations
- Record financial impacts
- Note career effects
- Track independence loss
The Role of Professional Evidence
Medical Expert Testimony
- Injury assessment
- Treatment necessity
- Recovery prognosis
- Future care needs
- Permanent effects
- Disability evaluation
- Pain level assessment
- Functional limitations
- Treatment effectiveness
- Long-term outlook
Mental Health Professional Input
- Psychological impact
- PTSD assessment
- Depression evaluation
- Anxiety analysis
- Relationship effects
- Coping capacity
- Treatment recommendations
- Recovery timeline
- Future challenges
- Quality of life impact
Economic Expert Analysis
- Lost earning capacity
- Future medical costs
- Care requirements
- Home modification needs
- Equipment expenses
- Therapy costs
- Insurance impacts
- Investment losses
- Career limitations
- Financial projections
Insurance Company Negotiations
Initial Evaluation
- Review of medical records
- Assessment of liability
- Evaluation of damages
- Policy limit review
- Coverage verification
- Claim history check
- Prior injury review
- Treatment analysis
- Cost projection
- Settlement potential
Negotiation Strategy
- Present comprehensive evidence
- Demonstrate clear liability
- Show consistent treatment
- Document all damages
- Project future impacts
- Present expert opinions
- Address causation
- Show mitigation efforts
- Prove permanence
- Establish value
Legal Process Considerations
Case Timeline
- Initial consultation
- Evidence gathering
- Medical documentation
- Expert consultation
- Settlement negotiation
- Litigation preparation
- Court filing
- Discovery process
- Settlement conference
- Trial preparation
Strategic Planning
- Evidence organization
- Witness preparation
- Expert coordination
- Timeline development
- Damage calculation
- Settlement evaluation
- Trial strategy
- Appeal consideration
- Documentation review
- Resource allocation
Special Circumstances in Pain and Suffering Claims
When calculating pain and suffering damages, certain situations require special consideration.
Multiple Injury Claims
The combined impact of multiple injuries often exceeds what you might expect from considering each injury separately. For example, a broken leg combined with a back injury might prevent a person from using crutches effectively, leading to a more complicated recovery process.
The documentation process becomes more complex with multiple injuries. Your medical records need to track each injury’s progression while also noting how the injuries interact with each other.
Insurance companies often try to separate the injuries to minimize compensation, so it is important to document how the combination of injuries affects daily life.
Pre-existing Condition Aggravation
When an accident worsens a pre-existing condition, the focus shifts to proving the extent of aggravation. For instance, if you had mild arthritis before an accident, but the trauma significantly accelerated its progression, you may be entitled to compensation for this worsening.
The key is establishing your baseline condition through medical records and daily activity logs before the accident. Your attorney will work with their legal team to demonstrate how the accident impacted your condition.
This might involve comparing medical imaging from before and after the accident or documenting changes in your treatment requirements.
Claims Involving Children
Pediatric claims present unique challenges because injuries can affect a child’s development and future prospects. The impact might not be fully apparent immediately after the injury.
For instance, a serious leg injury could affect a child’s growth plates, potentially requiring multiple surgeries throughout their development years. Courts consider factors like:
- Potential impact on education and future earning capacity
- Long-term psychological effects
- Need for ongoing medical care throughout development
- Impact on social development and activities
Elderly Victim Considerations
Older adults often face more complicated recovery processes and may never return to their previous level of independence. What might be a straightforward injury for a younger person could be life-changing for an elderly individual. For example, a hip fracture might force an independent senior to require permanent assisted living care.
The focus in elderly cases often shifts to quality of life impacts and loss of independence. Medical evidence must carefully document how the injury has affected the person’s ability to maintain their previous lifestyle and any new assistance requirements.
Psychological Trauma Without Physical Injury
Cases involving purely psychological injuries require a different approach to documentation and proof. While these injuries might not be visible, their impact can be just as devastating as physical injuries.
Examples might include severe anxiety following a near-miss accident or PTSD after witnessing a traumatic event. Mental health professionals play a significant role in these cases, providing expert testimony about the extent and impact of psychological trauma.
Documentation typically includes therapy records, diagnostic assessments, and evidence of how the trauma has affected work, relationships, and daily activities.
Working with Specialists
Special circumstances often require input from experts to properly document and value your claim. Your attorney might consult with:
- Medical specialists who can speak to the specific nature of your injuries
- Life care planners who can project future care needs
- Economic experts who can calculate long-term financial impacts
- Vocational specialists who can assess work-related limitations
Each special circumstance requires a unique approach to documentation and calculation. Understanding these differences early in the process helps ensure proper case development and maximum compensation for your situation.
How Do Lawyers Calculate Pain and Suffering: Conclusion
Calculating pain and suffering damages requires careful consideration of numerous factors and extensive documentation.
Every case is unique, and the calculation of pain and suffering damages depends on your circumstances. Working with a qualified attorney ensures that all aspects of your suffering are properly documented and valued in your claim.
Schedule Your Free Consultation with a Lawyer Today
At Rosenberg & Gluck LLP, we understand New York personal injury law and how to effectively prove pain and suffering damages. Our experienced team works diligently so our clients receive compensation that accurately reflects their physical and emotional suffering.
Remember that time limitations apply to personal injury claims in New York, so acting promptly to protect your rights and preserve evidence is important.
Our team of experienced attorneys is ready to guide you through the process and fight for the compensation you deserve. Contact us for a free consultation to discuss your case and learn how we can help you receive the compensation you deserve.