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When insurance pays three times the amount for pain and suffering is that in addition to medical expenses?


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Wiki User
2015-08-27 23:06:45
2015-08-27 23:06:45

It used to be a rule of thumb that pain and suffering damages could be calculated as a rough multiple of medical expenses. However for quite some time, that has no longer been the case. The payment of medical expenses is a separate portion of the recovery depending upon the nature of the occurrence that caused your injury. For example, if an auto collision caused the injury, you may have to look to your own insurer under your Personal Injury Protection coverage for the payent of (most) medical expenses and (most) lost wages. If the insury was the fault of someone/something that was insured under a commercial general liability policy, ordinarily, if the insurer believes that its insured was at fault, it will pay medical expenses under a "medical payments" provision of the policy. If there is a "pain and suffering" element of your damages (and that does not always exist despite what the lawyers say), a recovery can either be negotiated or a suit siled. If a sduit is filed and the matter goes to trial, the amount of recovery will less be a function of the amount of medical expenses than it is the severity of the injury and the extent to which that it may effect your ability to function in the future and maintain your employment. All of that said, please understand that getting injured is not like winning a lottery. Be reasonable and realistic..


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Wiki User
2014-03-13 11:17:47
2014-03-13 11:17:47

Here are opinions from WikiAnswers Contributors: * Yes. It is a totally separate issue from medical bills. * No, absolutely do not assume that you will get three times medical in addition to the actual medical amount paid. Unless that it states that you will be paid medical IN ADDITION to the other award. This is a common mistake that is often seen later when physician bills start to come in. You may have already cashed a check from the insurance that had their release on the back. The release may have stated 'accepted as release from any and all further claims' or similar wording. When you call them for an explanation, you will be told that they sent their check for three times the amount of the medical paid. At that point, you are stuck with any remaining bills.
When insurance pays three times the amount for pain and suffering is that in addition to medical expenses?

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