Do Insurance Companies Pay for Pain and Suffering?

If you or a loved one has been injured in an accident due to the negligence of someone else, you may ask, “Do insurance companies pay for pain and suffering?” Yes, insurance settlements often include compensation for pain and suffering. Personal injury claims comprise both economic (e.g., lost wages and expenses for medical treatment) and harder-to-quantify non-economic damages like emotional distress and suffering.

Speak to a personal injury attorney at our law firm, The Kryder Law Group, LLC Accident and Injury Lawyers, about the details of your case to determine what insurance coverage is available for your personal injury claim.

What Is Pain and Suffering?

Pain and suffering includes the physical discomfort and emotional and mental anguish one endures due to an injury. It’s subjective and varies greatly among individuals, often factoring in the impact on one’s daily life and mental health.

Calculating pain and suffering can be complex, relying on legal experience and various methodologies to assign a monetary value.

How Is Pain and Suffering Calculated?

Insurance companies calculate pain and suffering using either of two methods: the ‘Multiplier Method’, where actual damages are multiplied by a certain number, or the ‘Per Diem’ approach, assigning a daily value to pain and suffering damages and then tallying it up over time.

When Can I NOT Claim Pain and Suffering?

Personal injury cases claiming pain and suffering damages are not valid when no physical or psychological injury can be proven, or when the injury is unconnected to the incident in question. Your personal injury lawyer will need clear evidence that the discomfort is a direct result of your accident.

Is Pain and Suffering Covered by Workers’ Compensation in Illinois?

In Illinois, workers’ compensation does not cover pain and suffering, focusing instead on tangible expenses for suffered injuries, such as medical expenses and medical bills, rehabilitation costs, and lost wages.

Possible Compensation for Damages After a Car Accident

If you have been in a car accident with severe injuries, you may be entitled to compensation for a variety of damages, including medical bills, lost wages, and pain and suffering. In some cases, an insurance company will also provide coverage for other non-economic losses such as emotional distress or loss of consortium.

Pain and Suffering Compensation Following a Car Accident

Examples of pain and suffering after a car accident can include: chronic pain, anxiety and post-traumatic stress disorder (PTSD), loss of enjoyment in life, and severe discomfort during daily activities.

How Do I Prove Pain and Suffering in a Personal Injury Lawsuit?

To prove pain and suffering in a personal injury lawsuits, document all medical treatments, gather testimonies from mental health professionals, keep a diary detailing daily pain levels, and collect evidence of lifestyle changes due to the injury.

Personal injury attorneys use this documentation to support your claim.

Contact The Kryder Law Group, LLC Accident and Injury Lawyers Today

During a free consultation, you’ll sit down with an attorney from The Kryder Law Group, LLC Accident and Injury Lawyers to discuss the details of your case without any financial commitment. We will review the facts, counsel you on the viability of your claim, and outline the potential for compensation for your pain and suffering.