After you are injured and suffer personal injuries caused by someone else, you must fight to be fairly compensated for your damages. Your NJ personal injury attorney needs to calculate how much money you are owed by the party responsible for your injuries. Some people unfamiliar with the claims process mistakenly believe they will only be reimbursed for their expenses for repairs and medical bills. This is not the case.
Insurance companies want you to believe you will only be compensated for your out of pocket expenses. They do not want you to know there is a formula that adjusters use to determine how much your claim may actually be worth.
Even though all cases are different, most insurance companies use the same basic formula to determine the value of your claim. Please note that this formula is for informational purposes only, and you should consult with a personal injury attorney for complete details for your claim.
There are two components to the formula to calculate the value of the claim:
Your claim is evaluated by calculating the amount of your medical specials and multiplying it by the general damages multiplier.
Medical Specials. The first number used in the formula is medical specials, which is the amount of the expenses occurred in your injury claim. This takes into account your expenses, including:
This value is calculated and will represent the medical specials.
General Damages Multiplier. This value represents your “pain and suffering” and is a number between 1.5 and 5. The more serious your injury, the higher the multiplier will be. General damages are subjective and are open to interpretation since they are not a black and white value for medical specials. Because the multiplier cannot be easily quantified, and greatly impacts the value of your claim, you need an experienced attorney to fight for you on this front.
Factors that are taken into consideration for the general damages multiplier include the extent of your pain and suffering, the extent of your permanent injuries, the impact your injury has on your daily living and work activities, emotional and physical trauma, impact on your family and spouse, and overall stress and anxiety. Higher pain and suffering equates to a higher general damages multiplier, and a higher value for your claim.
TIP: Never admit any fault when discussing your accident with an insurance adjuster. New Jersey has a legal concept called “comparative negligence” which reduces the value of claim based upon the percentage of fault assigned to you for causing the accident. And, if it is determined that you are more than 50% responsible for the accident, you will not be able to make a claim in NJ for your personal injuries.
If you or a loved one was injured due to someone else’s negligence, you should contact a seasoned litigator to discuss the value of your claim. Please contact NJ Injury Lawyer Howard Lesnik, Esq., immediately to discuss the value of your claim. I personally handle NJ personal injury cases on a regular basis. Please contact me now by email, by phoning 908.264.7701, or by completing the form to the right to schedule your complimentary 30-minute strategy session.
Howard was referred to me. I’m so glad I made the call. In the early days of my injury, Howard took the time to answer my texts and phone calls and answered all my questions and explained everything in great detail. If you ever need an attorney Howard is the person to call. I will always recommend Howard to anyone who may need.
– Jen Ivkovich, October 15, 2020
Howard is very professional and very pleasant at all times. He was amazing during the entire process of fighting for me and told me not to worry. Once he told me that I knew I made the right choice of hiring him as my lawyer. He kept me informed every step of the way and explained the entire process to me in full detail in a way I could understand. He calls, emails and text you to keep you updated all throughout the process as I was being sued do to a car accident with false accusations. GUESS WHAT??? He called me a few days ago and told me the case was dismissed. He is again AMAZING. I was worried but I felt he was confident that we would win but he did not tell me this. You could just feel the confidence in his voice. I highly recommend Howard because he will fight with and for you until the very end. He is the BEST!!
– Curlyn Cajuste, September 4, 2020
The BEST LAWYER AROUND! Very honest and always very responsive!!
– K Q, August 2, 2019
I highly recommend Howard, he just have dismissed my friend’s case in less than one month, besides be a great criminal attorney he is such a good heart person, since the beginning to the end of the process he was 100% honest. If you are looking for a efficient criminal attorney, you must definitely stop by his office.
– Darwin Amendano, June 25, 2019
Mr. Howard Lesnik, has been with me since December 21st 2017 ever since my horrific accident in Newark, NJ. He took my lawsuit when many other law firms told me, I didn’t have a chance in hell in getting any settlement. He has also been very supportive of which I am very grateful. I thank God for Howard and I give him my world famous TWO Louie Morales thumbs up. I don’t give those out lightly and to many, however he deserves them and more. I Highly recommend him to everyone seeking damages from auto, falls and work accidents. Sincerely, Luis Angel Morales
– Luis Morales, May 7, 2019
Mr Howard definitely is a 5 star attorney. He has represented me and relatives and has earned our genuine Loyalty my go to guy. Thank you Howard for your hard work.
– Bobby Leon, February 21, 2019
Howard Lesnik is awesome!!! If your looking for a great attorney, look no further. Mr.Lesnik took on a couple of my cases over the course of several years, with one lasting over a year, No matter how difficult the job was, he kept at it and with great success.. 🙂 extremely professional and curtious. Mr. Lesnik kept me updated throughout the whole process. Responds to emails and any concerns I may have had. I would definitely recommend him in a heartbeat. He will always be an attorney I will call and count on!!! Thank you Mr. Howard Lesnik!!!
– Angel Henry, May 2018
As strong litigators, we draw on years of experience and skill at negotiating settlements that serve our clients’ best interests. Contact a reputable New Jersey injury attorney for a free initial consultation.
Whether you need help for a personal injury or workers’ compensation claim in Northern New Jersey, Mr. Howard P. Lesnik, Esq. have the skills and background to provide the representation you deserve.
