How Lost Wages Are Calculated in a Baltimore Car Accident Claim
Can I recover lost wages if I used sick leave or PTO?
Yes.
Using sick leave or PTO does not eliminate your loss. Lost wages and case value are intimately related concepts. Eliminating-fairly or not- categories of damage from the analysis favors the insurance company- not you.
The value of that time can still be claimed because you were forced to use benefits you otherwise would have kept.
What if I am self-employed?
You can still recover lost wages.
The proof is more complex and typically involves tax returns, business records, invoices, and historical earnings patterns to establish what you would have earned.
Can I recover overtime or bonus income?
Yes, if it can be proven.
You must show a consistent history of overtime or bonuses, not speculation about what might have happened.
What if I was not working at the time of the accident?
You may still have a claim.
If there is evidence you were about to begin employment or had an established earning trajectory, that may support a future wage loss claim.
How do insurance companies try to reduce lost wage claims?
They challenge necessity, timing, and credibility.
They will argue you returned too late, missed unnecessary treatment, or could have worked in some capacity.
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For over three decades, I have battled against the nation’s largest insurance companies, always endeavoring to ensure my clients receive the compensation they deserve. As lead counsel in thousands of cases across Maryland, New York, and Florida, I have recovered millions for clients whose claims were wrongfully denied and delayed. Whether denying fair compensation for a personal injury victim or denying benefits to a homeowner, Insurance companies employ policy exclusions, technicalities, and lowball offers to deny and defeat claims. They also hire very good lawyers to fight you in court. So should you. When an insurance company unfairly rejects a claim, I stop them.
