Demonstrating Actual Loss
As we discussed in the first and second parts of this series, the initial requirements in a lawsuit alleging negligence are:
- Evidence that would lead the jury to conclude that the defendant did not act reasonably under the circumstances (the conduct breached the duty of care)
- The failure to act reasonably caused an accident
However, you can demonstrate conclusively that the at-fault party behaved unreasonably and that his or her actions caused an accident, but still be precluded from recovering any compensation in a personal injury lawsuit—you must also show that you suffered some actual loss.
Actual Loss in a Personal Injury Lawsuit
As a general rule, most damages paid in a personal injury suit are “compensatory,” i.e., intended to compensate the injured party for losses suffered. If, however, you haven’t suffered any loss, there’s nothing for which you need to be compensated. For example, assume that you were a motor vehicle accident and suffered bodily injury, incurring significant medical expenses. If those expenses are covered by your health or auto insurance policy, you won’t be able to recover any damages for medical expenses, as you haven’t had any out-of-pocket expense for medical care.
That’s not to say that the defendant won’t be responsible to someone for his or her negligence. In most instances, when an insurance company covers losses that you’ve suffered because of someone else’s carelessness, they have a right to seek reimbursement from the defendant for any amounts they’ve paid on your behalf.
It’s also important to understand that there’s another category of damages that are available in a personal injury action. These so-called “non-compensatory” or “non-economic” damages include payment for pain and suffering, loss of consortium or companionship and loss of enjoyment of life. Accordingly, you may not be able to recover damages for injuries covered by insurance, but you can still seek compensation for those non-economic losses.
Contact the Law Offices of David J. Karbasian, PC
Send us an e-mail today or call us at 856-667-4666 / 856-600-HURT to schedule an appointment.
Evening and weekend meetings can be arranged upon request. We’ll come to your home or the hospital to meet with you, if necessary.
