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Compensation consists of several components of damages. The basic principle is that the insurer is obligated to compensate the victim in such a way that he or she is put in the situation as much as possible as where he or she would have been had the incident not occurred. That means that, as a victim, you and your personal injury lawyer do a thinking exercise, comparing what is different now because of the accident. Then you usually come across the following damage items:

• Loss of work capacity is the damage caused by a decrease in income (both white and black income) due to the accident. As a self-employed person, you often face declining income almost immediately while in salaried employment, you often get paid longer. This is a very important part of compensation;

• Domestic help damages arise when you yourself, as the victim, can no longer perform the household tasks you did before the accident. You may have to hire professional help, but even if your partner or other family or friends take over tasks, the insurer must pay compensation for that;

• Loss of self-efficacy is not being able to do the chores in and around the house anymore and the consequences of that should be compensated. Think about hiring third parties such as a carpenter, painter or gardener or having someone close to you take over those tasks;

• Cost of third-party personal care if you cannot care for yourself;
• Non-insured medical expenses are costs that are not reimbursed by the health insurance company. A well-known example is the physical therapist. It is not included in the basic package and if expenses are then incurred for treatments at the physical therapist, the liability insurer must reimburse them as a result of personal injury;

• Transportation damages have to do with extra miles that must be driven to doctors and practitioners, as well as possibly modifying a car or buying another car as a result of the injury may also be part of the compensation;

• Smart money is compensation for all the consequences of the accident that cannot be valued in monetary terms, such as pain, sorrow and time spent dealing with the consequences of the personal injury.

Compensation consists of several components of damages. The basic principle is that the insurer is obligated to compensate the victim in such a way that he or she is put in the situation as much as possible as where he or she would have been had the incident not occurred. That means that, as a victim, you and your personal injury lawyer do a thinking exercise, comparing what is different now because of the accident. Then you usually come across the following damage items:

• Loss of work capacity is the damage caused by a decrease in income (both white and black income) due to the accident. As a self-employed person, you often face declining income almost immediately while in salaried employment, you often get paid longer. This is a very important part of compensation;
• Domestic help damages arise when you yourself, as the victim, can no longer perform the household tasks you did before the accident. You may have to hire professional help, but even if your partner or other family or friends take over tasks, the insurer must pay compensation for that;
• Loss of self-efficacy is not being able to do the chores in and around the house anymore and the consequences of that should be compensated. Consider hiring third parties such as a carpenter, painter or gardener or having someone close to you take over those tasks;
• Cost of third-party personal care if you cannot care for yourself;
• Non-insured medical expenses are costs that are not reimbursed by the health insurance company. A well-known example is the physical therapist. It is not included in the basic package and if expenses are then incurred for treatments at the physical therapist, the liability insurer must reimburse them as a result of personal injury;
• Transportation damages have to do with extra miles that must be driven to doctors and practitioners, as well as possibly modifying a car or buying another car as a result of the injury may also be part of the compensation;
• Smart money is compensation for all the consequences of the accident that cannot be valued in monetary terms, such as pain, sorrow and time spent dealing with the consequences of the personal injury.

If you have legal expenses insurance, it may seem logical to call on them first after an accident. Yet this is not always the best choice. Legal expenses insurers often work with set procedures and standard operating procedures, so your case may not get the personal attention it deserves. Moreover, a legal expenses insurer often has an interest in settling cases quickly, sometimes even at the expense of the maximum compensation to which you are entitled.

With us, on the other hand, you receive personalized assistance and we are fully committed to your best interests. We take the time to understand your situation and ensure that your compensation claim is handled accurately and completely. In addition, our assistance is always free of charge, as the costs are recovered from the other party.

Do you still want to contact your legal expenses insurance first? Of course you can. However, it is also smart to talk to us without any obligation. That way you can be sure that you have carefully considered all options and that you will not miss anything in your case. Feel free to contact us; we would be happy to help you.