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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. 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 in the basic package and then if expenses are 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, grief and the time you spend dealing with the consequences of the personal injury.

You may find yourself (partially) to blame for an accident. Perhaps you failed to pay attention or violated a traffic rule. But this does not mean that you are automatically no longer entitled to compensation. In many cases, you can still be compensated for part of the damages.

If there is shared fault, one looks at who bears what responsibility. On that basis, it is determined who should pay what percentage of the damages. Suppose the other person is 70% at fault and you 30%, you will be compensated 70% of your damages. Moreover, as a cyclist or pedestrian, you are extra protected. Even if you are at fault, you are often still entitled to compensation, especially if the other party is a driver of a motor vehicle.

Dividing blame is often determined in consultation with insurers. They analyze the situation and divide responsibility into percentages. This can be complicated, but we are ready to help you with this. In doubt about your debt or want to know what you are entitled to? Get in touch with us. We will make sure you get what you are entitled to, even if you are (partially) at fault for the accident.

If you were driving a car yourself, it may still be possible, even if you were at fault for the accident, to receive full compensation for your damages. Then it is important to see if an SVI insurance policy provides coverage. Then, in most cases, personal injury damages can be recovered in full.

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 doing so, our help 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. Please feel free to contact us; we will be happy to help you.