Norfolk

Suffering an injury due to someone else’s negligence can leave you facing medical bills, lost wages, and emotional distress. When accidents happen in Norfolk, VA, having a dedicated personal injury lawyer by your side can make all the difference in securing the compensation you deserve.

We understand that navigating the legal system while recovering from injuries can feel overwhelming. Norfolk’s unique legal landscape requires attorneys who are familiar with Virginia state laws and local court procedures. Our directory connects you with experienced personal injury lawyers in Norfolk who specialize in cases ranging from car accidents and slip-and-falls to workplace injuries and medical malpractice.

Finding the Best Personal Injury Lawyer in Norfolk, VA: What You Need to Know

Check Their Experience and Specialization

Experience matters tremendously when selecting a personal injury attorney in Norfolk. Look for lawyers with at least 5-10 years of experience handling cases similar to yours. For instance, if you’ve been injured in a motorcycle accident, an attorney who primarily handles slip and fall cases might not be your best option. During your initial consultation, ask how many cases like yours they’ve successfully resolved. Experienced Norfolk attorneys will have handled hundreds of local personal injury claims and will understand the nuances of filing in Norfolk Circuit Court versus Virginia Beach or Chesapeake jurisdictions.

Research Their Track Record

A lawyer’s history of settlements and verdicts provides concrete evidence of their capabilities. Request specific examples of cases similar to yours and the outcomes they achieved. Top Norfolk personal injury firms often showcase case results on their websites, such as “$1.2 million for a truck accident victim” or “$750,000 for a workplace injury settlement.” Remember that past success doesn’t guarantee future results, but patterns of significant recoveries indicate skill and determination. Virginia’s comparative negligence laws can reduce compensation if you’re found partially at fault, so choose attorneys who can effectively counter such arguments.

Evaluate Their Resources

Complex personal injury cases require substantial resources to build strong claims. The best Norfolk attorneys maintain connections with accident reconstruction specialists, medical experts, and economic analysts who can strengthen your case. They should have the financial capacity to advance costs for investigations, court filings, and expert testimony without requiring payment until your case resolves. Ask potential lawyers about their network of experts and their ability to handle cases through trial if necessary, since approximately 30% of disputed injury claims in Virginia require litigation.

Consider Their Communication Style

Effective communication forms the foundation of a successful attorney-client relationship. During your consultation, assess how clearly they explain legal concepts and whether they take time to answer your questions. Notice if they listen attentively to your concerns or seem rushed. Top firms in Norfolk typically assign paralegals and case managers to ensure clients receive prompt responses, usually within 24 hours. Ask about their communication protocols—will you receive regular case updates? Can you contact your attorney directly? The best injury lawyers maintain transparent, consistent communication throughout your case.

Review Their Fee Structure

Most personal injury lawyers in Norfolk operate on a contingency fee basis, typically charging 33-40% of your settlement. This percentage may increase if your case goes to trial. Request a clear written fee agreement that outlines all potential costs, including case expenses like filing fees, expert witness compensation, and medical record retrieval. Reputable attorneys will explain exactly how fees and expenses affect your potential recovery. Some Norfolk firms offer sliding scale arrangements where the percentage decreases for larger settlements, maximizing your compensation for catastrophic injuries.

Trust Your Instincts

After researching credentials and meeting potential attorneys, your comfort level matters significantly. You’ll share personal information and rely on this professional during a vulnerable time in your life. Pay attention to how the attorney and their staff treat you during initial interactions. Do they seem genuinely concerned about your well-being? Are they respectful of your time? The attorney-client relationship often lasts months or even years in complex cases, so choosing someone you trust implicitly is essential for reducing stress during your recovery.

Common Types of Personal Injury Cases in Norfolk, Virginia

Personal injury cases in Norfolk encompass a wide range of incidents where individuals suffer harm due to others’ negligence. Here are the most common types of cases our Norfolk personal injury attorneys handle:

Auto Accident Claims in Hampton Roads

Auto accidents represent one of the most frequent personal injury claims in the Hampton Roads area. Norfolk’s busy highways, including I-64, I-264, and Military Highway, see numerous collisions involving passenger vehicles, commercial trucks, and motorcycles daily. Personal injury lawyers in Norfolk specialize in gathering crucial evidence from accident scenes, obtaining police reports, interviewing witnesses, and consulting with accident reconstruction experts to establish liability. They work diligently to secure compensation for medical expenses, lost wages, vehicle damage, and pain and suffering through settlement negotiations or courtroom litigation when necessary.

Slip and Fall Incidents in Norfolk

Slip and fall accidents occur frequently in Norfolk’s commercial properties, public spaces, and private residences. These premise liability cases arise when property owners fail to maintain safe conditions, such as properly clearing ice and snow, addressing wet floors, repairing broken steps, or removing tripping hazards. Norfolk personal injury attorneys help victims document dangerous conditions, obtain maintenance records, and identify witnesses to establish the property owner’s negligence. Compensation in these cases typically covers medical treatment, ongoing therapy, lost income, and damages for pain and suffering.

Medical Malpractice in Virginia Beach Area

Medical malpractice claims in the Virginia Beach area involve healthcare professionals failing to provide the standard of care expected in their field. These complex cases can include surgical errors, misdiagnosis, medication mistakes, birth injuries, or nursing home neglect. Norfolk personal injury lawyers who handle medical malpractice claims work with medical experts to review records, establish the appropriate standard of care, and demonstrate how healthcare providers deviated from accepted practices. These attorneys navigate Virginia’s strict medical malpractice caps and procedural requirements to help victims recover damages for additional medical care, lost earning capacity, and diminished quality of life.

Workplace Injuries in Norfolk’s Shipyards and Ports

Workplace injuries are particularly prevalent in Norfolk’s bustling shipyards, ports, and maritime facilities. Shipyard workers, longshoremen, and other maritime employees face significant risks from heavy machinery, falling objects, toxic exposure, and repetitive stress injuries. Personal injury attorneys in Norfolk possess specialized knowledge of both Virginia workers’ compensation laws and federal maritime laws, including the Jones Act and Longshore and Harbor Workers’ Compensation Act. They help injured workers navigate complex claims processes to secure benefits for medical expenses, disability payments, rehabilitation costs, and vocational retraining when injuries prevent returning to previous employment.

5 Essential Qualities to Look for in a Norfolk Personal Injury Attorney

When choosing a personal injury attorney in Norfolk, VA, it’s crucial to find someone with the right qualifications and approach to handle your case effectively. Here are five essential qualities that can make all the difference in your legal representation.

Track Record of Successful Settlements

A top-tier Norfolk personal injury attorney must demonstrate a proven history of securing favorable outcomes for clients. Look for lawyers who have obtained substantial settlements and won significant verdicts in court. Attorneys like John Cooper and Jim Hurley of Cooper Hurley Injury Lawyers have secured impressive results, including a $6,500,000 recovery in a single-car accident case in 2020. These successful outcomes indicate an attorney’s ability to maximize compensation and effectively advocate for their clients in negotiation settings.

Trial Experience in Virginia Courts

Courtroom experience is essential when selecting a personal injury lawyer in Norfolk. Attorneys who regularly try cases develop crucial skills that benefit clients even during settlement negotiations. Insurance companies often offer higher settlements when they know your attorney isn’t afraid to take a case to trial. Search for lawyers who have extensive experience presenting cases before Virginia judges and juries, as they’ll understand local court procedures, judge tendencies, and jury expectations specific to Norfolk and surrounding areas.

Knowledge of Virginia Personal Injury Laws

Virginia’s personal injury laws contain unique elements that directly impact your case, including the strict contributory negligence rule. This rule prevents recovery if you’re found even 1% responsible for your accident. Your attorney must thoroughly understand these state-specific laws, statutes of limitations, and local ordinances affecting personal injury claims in Norfolk. Experienced local attorneys stay current on legal changes through continued education and active participation in Virginia legal associations, ensuring your case is handled according to the latest legal standards.

Transparent Fee Structures

Reputable Norfolk personal injury attorneys typically work on a contingency fee basis, meaning they only collect payment if they win your case. Look for lawyers who clearly explain their fee structure during initial consultations, including the percentage they’ll take from your settlement (typically 33-40%) and how case expenses are handled. The best attorneys provide written fee agreements that detail all potential costs and never surprise clients with hidden fees. This transparency builds trust and allows you to make informed decisions about your legal representation.

Strong Client Communication Skills

Effective communication forms the foundation of a successful attorney-client relationship. Your personal injury lawyer should regularly update you on your case status, promptly return calls and emails, and explain complex legal concepts in understandable terms. They should actively listen to your concerns, answer your questions thoroughly, and make you feel valued throughout the legal process. Many top Norfolk attorneys offer 24/7 availability for urgent matters and utilize client portals for secure document sharing and case updates, demonstrating their commitment to client service.

The Personal Injury Claim Process in Norfolk, Virginia

Initial Consultation and Case Evaluation

The first step in any personal injury claim begins with contacting a Norfolk personal injury lawyer for an initial consultation. During this meeting, your attorney will listen carefully to your account of the accident, explain your legal rights under Virginia law, and provide guidance on how to proceed. This consultation is typically offered free of charge and serves as an opportunity to determine if you have a viable case. Your lawyer will evaluate critical factors including the severity of your injuries, how they’ve impacted your daily life, and the potential compensation you might be entitled to receive.

Investigation and Evidence Gathering

After hiring your personal injury lawyer, they’ll launch a thorough investigation into your accident circumstances. This critical phase involves collecting police reports, medical records, and witness statements to build a strong foundation for your claim. Your attorney will work with accident reconstruction specialists when necessary, especially in complex auto accident cases common on Norfolk’s busy highways. They’ll also document your injuries through medical assessments and gather evidence of negligence by the responsible party, creating a comprehensive case file that clearly establishes liability under Virginia’s contributory negligence laws.

Negotiating with Insurance Companies

Your Norfolk personal injury attorney will handle all communications with insurance companies, protecting you from potentially damaging statements. Insurance adjusters often employ tactics to minimize settlement amounts, but experienced attorneys understand these strategies and counter them effectively. Your lawyer will present a detailed demand package that includes all medical bills, documentation of lost wages, and evidence of pain and suffering. Throughout negotiations, they’ll advocate aggressively for fair compensation while keeping you informed of all offers and providing advice on whether to accept or continue negotiations.

Filing a Lawsuit in Norfolk Courts

If insurance negotiations don’t yield a fair settlement, your attorney will file a lawsuit in the appropriate Norfolk court. This formal legal action initiates the litigation process and includes filing a complaint that details your injuries, the defendant’s negligence, and the damages you’re seeking. Your lawyer will navigate Virginia’s strict filing deadlines, ensuring your lawsuit complies with the state’s two-year statute of limitations for personal injury claims. They’ll also handle all court filings, scheduling, and procedural requirements while preparing your case for potential trial proceedings.

Settlement vs. Trial Considerations

Most personal injury cases in Norfolk settle before reaching trial, but your attorney will prepare for both possibilities. Settlement offers often increase as the trial date approaches and the opposing side recognizes the strength of your case. Your lawyer will provide objective advice about settlement offers, comparing them against potential trial outcomes while considering factors like case strength, jury tendencies in Norfolk courts, and your personal preferences. If your case proceeds to trial, your attorney will present compelling evidence, question witnesses, and deliver persuasive arguments to secure the maximum compensation for your injuries.

How Norfolk Personal Injury Lawyers Calculate Compensation

Medical Expenses and Treatment Costs

Medical expenses form the foundation of economic damages in personal injury cases. Norfolk attorneys meticulously document all treatment costs, including hospital bills, doctor visits, surgeries, physical therapy sessions, and prescription medications. These calculations encompass both past medical expenses already incurred and projected future medical costs related to the injury. To ensure accuracy, personal injury lawyers in Norfolk gather comprehensive medical records and verify all supporting documentation. They often consult with medical experts to confirm the necessity of future treatments and assess reasonable costs based on current healthcare pricing in Virginia.

Lost Wages and Future Earning Capacity

Lost wages represent a significant component of compensation in personal injury claims. Norfolk attorneys calculate not only the immediate income lost due to inability to work but also consider the long-term impact on earning potential. This includes documenting salary history, missed work days, and any benefits used (such as sick leave or vacation time) because of the injury. For cases involving permanent disability or diminished working capacity, lawyers work with economic experts to determine the present value of future earnings that will be lost over the victim’s working lifetime. These calculations account for factors like career advancement opportunities, inflation, and the plaintiff’s pre-injury earning trajectory.

Pain and Suffering Damages in Virginia

Norfolk personal injury lawyers face unique challenges when calculating pain and suffering damages due to Virginia’s specific legal framework. Unlike economic damages with clear documentation, these non-economic damages require skilled advocacy. Attorneys typically use one of two methods: the multiplier method (multiplying economic damages by a factor based on injury severity) or the per diem method (assigning a daily dollar amount for pain experienced). Virginia doesn’t impose strict caps on pain and suffering in most personal injury cases, but attorneys must present compelling evidence of physical pain, emotional distress, psychological trauma, and diminished quality of life to maximize compensation. Documentation through pain journals, psychological evaluations, and testimony from family members often strengthens these claims.

Calculating Long-Term Care Needs

For catastrophic injuries requiring ongoing care, Norfolk personal injury lawyers conduct thorough assessments of long-term needs. These calculations include costs for in-home care services, residential facility placement, medical equipment, home modifications, and specialized transportation needs. Attorneys frequently collaborate with life care planning experts who develop comprehensive projections of lifetime care requirements. These experts consider the client’s specific injuries, age, pre-existing conditions, and life expectancy to create detailed care plans. Norfolk lawyers then work with economists to translate these care plans into present-day monetary values, accounting for medical inflation rates and anticipated changes in care needs as the client ages.

Virginia’s Personal Injury Law: Important Time Limits and Regulations

Understanding Virginia’s personal injury laws is crucial when pursuing compensation for injuries in Norfolk. These laws directly impact your ability to file a claim and the potential compensation you can receive.

Understanding the Statute of Limitations

Virginia’s statute of limitations establishes strict deadlines for filing personal injury lawsuits that can make or break your case:

  • You have two years from the date of the accident to file most personal injury lawsuits, including car accidents and slip-and-fall cases
  • Medical malpractice claims must be filed within two years but cannot exceed ten years from when the negligent act occurred
  • Wrongful death lawsuits require filing within two years from the date of the victim’s death
  • For injured minors, the statute of limitations clock begins after their 18th birthday

Missing these deadlines typically results in losing your right to pursue compensation, making prompt legal consultation essential after any injury.

Virginia’s Contributory Negligence Rule

Virginia follows one of the strictest negligence standards in the country with its contributory negligence rule:

  • If you’re found even 1% responsible for your accident, you may be completely barred from recovering any compensation
  • This differs significantly from states with comparative negligence rules where partial compensation remains possible
  • Insurance companies aggressively use this rule to deny claims by attempting to assign partial blame to injured parties
  • Skilled Norfolk personal injury attorneys build strategic cases to counter contributory negligence defenses
  • Securing witness statements, expert testimony, and thorough evidence collection becomes critically important under this rule

This harsh standard makes professional legal representation particularly valuable in Virginia personal injury cases.

Damage Caps in Medical Malpractice Cases

Virginia law imposes specific limitations on medical malpractice compensation:

  • A total damage cap of $2.45 million applies to medical malpractice cases (as of 2022), including both economic and non-economic damages
  • This cap increases annually according to statute but remains restrictive compared to many other states
  • The cap applies regardless of the severity of injuries or actual damages suffered
  • No damage caps apply to most other types of personal injury cases in Virginia
  • Experienced Norfolk medical malpractice attorneys must carefully calculate damages within these constraints

Understanding these limitations is essential when evaluating potential compensation in medical negligence cases and determining whether to pursue legal action.

Questions to Ask Before Hiring a Personal Injury Lawyer in Norfolk

Experience with Similar Cases

When meeting with potential personal injury attorneys in Norfolk, ask specifically about their experience handling cases similar to yours. Personal injury cases vary widely—from car accidents on Military Highway to slip and falls at Waterside District or medical malpractice at Sentara Norfolk General Hospital. Inquire about the number of similar cases they’ve handled in the past five years and request specific examples of outcomes. Experienced attorneys will confidently share their success stories, including settlement amounts and trial verdicts in Norfolk courts, giving you valuable insight into their capability to handle your unique situation effectively.

Case Management Approach

Understanding a lawyer’s strategic approach is crucial for determining if they’re the right fit for your case. Ask detailed questions about how they plan to handle your specific circumstances—whether they prefer negotiation with insurance companies, mediation, or proceeding directly to litigation. Inquire about their investigation process, including how they gather evidence, consult with experts, and build compelling arguments. Norfolk personal injury attorneys should outline their typical timeline for cases similar to yours and explain how they’ll navigate Virginia’s contributory negligence laws that can significantly impact your claim.

Communication Expectations

Establish clear communication protocols from the start of your attorney-client relationship. Ask the lawyer how frequently you can expect updates on your case and through which channels (email, phone, in-person meetings). Determine who your primary contact will be—the attorney themselves or a paralegal—and their typical response time to questions or concerns. Request information about their availability for emergency situations and whether they provide regular case status reports. Norfolk personal injury lawyers with strong communication practices will have systems in place to keep clients informed throughout what can be a lengthy legal process.

Fee Structure and Payment Terms

Thoroughly discuss the financial aspects of your legal representation before making a hiring decision. Most Norfolk personal injury lawyers work on a contingency fee basis, meaning they only collect payment if you win your case. Ask for the specific percentage they charge (typically 33-40%) and whether this rate increases if your case goes to trial. Inquire about who covers case expenses like filing fees, expert witness costs, and medical record retrieval, and whether these costs are deducted before or after the contingency fee is calculated. Request this information in writing to avoid misunderstandings later in the process.

How to Prepare for Your First Meeting with a Norfolk Personal Injury Attorney

Meeting with a personal injury attorney for the first time can be intimidating, but proper preparation will help make your consultation productive and informative. We’ve compiled essential steps to ensure you get the most out of your initial meeting.

Gathering Essential Documentation

To maximize the effectiveness of your initial consultation, gathering all relevant documentation related to your case is crucial. This preparatory step allows your attorney to fully understand your situation and begin building your case immediately:

  1. Medical Records and Bills – Bring all documentation of your injuries, including hospital discharge summaries, doctor’s notes, treatment plans, diagnostic test results, prescription records, and itemized medical bills. These documents help establish the extent of your injuries and the financial impact of your accident.
  2. Accident Reports – Include official police reports, incident reports filed with businesses or property owners, and any formal documentation of how the accident occurred. These official reports provide a crucial third-party account of the incident.
  3. Photographs and Videos – Collect all visual evidence from the accident scene, including photos of hazardous conditions, vehicle damage, visible injuries, and any video footage captured immediately after the incident. Visual evidence can significantly strengthen your case.
  4. Insurance Correspondence – Gather all communications from insurance companies, including policy information, claim numbers, adjuster contact details, and any settlement offers or coverage decisions you’ve received. This helps your attorney understand what steps have already been taken.

Questions to Ask During Consultation

Preparing thoughtful questions will help you determine if an attorney is the right fit for your case and give you clarity about the legal process ahead:

  1. Case Assessment Questions – Ask about the attorney’s initial assessment of your case, potential challenges, and approximate value based on similar past cases they’ve handled.
  2. Experience and Strategy Questions – Inquire about their specific experience with personal injury cases similar to yours in Norfolk and their strategic approach to your situation.
  3. Timeline Expectations – Request information about the estimated timeline for your case, including important deadlines and how long similar cases typically take to resolve.
  4. Communication Protocol – Establish how often you’ll receive updates, who your primary contact will be, and the best methods for reaching your attorney with questions or concerns.
  5. Fee Structure Clarification – Confirm the details of their contingency fee arrangement, including the percentage they charge, how case expenses are handled, and any other potential costs.

What to Expect Moving Forward

Understanding the next steps after your initial consultation will help you feel more confident as your case progresses:

  1. Case Investigation Phase – Your attorney will begin a thorough investigation, which may include obtaining additional records, interviewing witnesses, consulting with experts, and gathering more evidence to support your claim.
  2. Medical Treatment Monitoring – Expect your attorney to track your ongoing medical treatment and recovery progress, as this documentation is vital for calculating your complete damages.
  3. Insurance Communication – Your lawyer will take over all communications with insurance companies, relieving you of the stress of dealing with adjusters who may try to minimize your claim.
  4. Settlement Negotiations – In many cases, your attorney will prepare a demand package and begin negotiation attempts before filing a lawsuit, potentially resolving your case without court involvement.
  5. Litigation Preparation – If a fair settlement can’t be reached, your attorney will explain the litigation process, including filing deadlines, discovery procedures, and what to expect if your case goes to trial in Norfolk’s courts.

Conclusion: Securing the Right Legal Representation for Your Norfolk Personal Injury Case

Navigating a personal injury case in Norfolk requires legal expertise that addresses Virginia’s unique challenges like the strict contributory negligence rule and statutory deadlines. The right attorney makes all the difference in maximizing your compensation while protecting your rights.

We’ve seen how Norfolk personal injury lawyers handle everything from evidence gathering to calculating compensation that covers medical bills lost wages and pain and suffering. Their knowledge of local courts and insurance company tactics proves invaluable.

Remember to thoroughly evaluate potential attorneys considering their track record trial experience and communication style. By asking the right questions and preparing properly for your initial consultation you’ll set yourself up for success. Don’t face the aftermath of an injury alone – skilled legal representation is your pathway to justice and recovery.

Frequently Asked Questions

How long do I have to file a personal injury claim in Norfolk, VA?

In Virginia, you generally have two years from the date of the injury to file a personal injury lawsuit, known as the statute of limitations. However, this timeframe varies for different case types—medical malpractice claims have specific rules, as do wrongful death cases. Missing this deadline typically means losing your right to compensation, so consulting with a Norfolk personal injury attorney promptly after an injury is crucial.

What is Virginia’s contributory negligence rule?

Virginia follows a strict contributory negligence rule, which means if you’re found even 1% at fault for your accident, you may be completely barred from recovering compensation. This makes Virginia one of the toughest states for personal injury claims, highlighting the importance of having a skilled attorney who can effectively counter arguments about your potential contribution to the accident.

How do personal injury lawyers in Norfolk charge for their services?

Most Norfolk personal injury attorneys work on a contingency fee basis, meaning they only get paid if you win your case. The standard fee ranges from 33% to 40% of your settlement or verdict amount. Initial consultations are typically free, and you won’t pay upfront costs for case expenses like medical record retrieval, expert witnesses, or filing fees—these are usually recovered from your settlement.

What types of compensation can I receive for my personal injury claim?

You may receive compensation for medical expenses (both current and future), lost wages, reduced earning capacity, property damage, and pain and suffering. In cases involving severe negligence, punitive damages might be available. Norfolk personal injury lawyers calculate your total damages by documenting all economic losses and using established methods to quantify non-economic damages like emotional distress.

What makes slip and fall cases challenging in Norfolk?

Slip and fall cases in Norfolk require proving that the property owner knew or should have known about the dangerous condition and failed to address it. You must demonstrate the hazard existed, the owner was negligent, and this directly caused your injuries. Virginia’s contributory negligence rule adds complexity, as defense attorneys often argue victims weren’t paying adequate attention, potentially barring recovery.

Are there damage caps for personal injury cases in Virginia?

Virginia imposes caps only on medical malpractice damages, currently limiting total compensation regardless of injury severity. The cap increases slightly each year according to statute. For other personal injury cases like car accidents or slip and falls, there are no statutory caps on compensation, though insurance policy limits may effectively cap recovery amounts in some cases.

How do I choose the best personal injury lawyer in Norfolk?

Look for attorneys with 5-10 years of experience in personal injury law and specialization in your specific case type. Research their track record of settlements and verdicts in similar cases. Evaluate their resources for handling complex litigation. Consider their communication style and responsiveness during initial consultations. Trust your instincts—a strong attorney-client relationship is essential during the recovery process.

What should I bring to my first meeting with a personal injury attorney?

Bring all documentation related to your accident, including medical records, accident/police reports, photographs of injuries and accident scene, insurance correspondence, and any witness contact information. Also prepare a timeline of events and a list of questions about their experience with similar cases, their approach to handling claims, and their fee structure. This preparation maximizes the productivity of your initial consultation.

How long does a personal injury case typically take in Norfolk?

The timeline varies significantly based on case complexity, injury severity, and whether settlement is possible. Simple cases might resolve in 6-12 months, while complex cases requiring litigation can take 1-3 years. Factors affecting timeline include your recovery period, insurance company cooperation, court scheduling, and the need for expert testimony. Your attorney should provide realistic expectations based on your specific circumstances.

What if the insurance company offers me a settlement right away?

Early settlement offers from insurance companies are typically much lower than your claim’s true value. Insurers hope to resolve claims before you understand the full extent of your injuries or consult an attorney. Never accept an offer without legal advice. A Norfolk personal injury lawyer can assess whether the offer adequately covers your current and future expenses, lost wages, and pain and suffering.