The at-fault party’s insurance company will ultimately be required to pay you for your lost earnings and earning capacity, past and future. However, the insurance company will not typically pay for these elements of damage until the case, in its entirety, is either settled or concluded in court. If you are injured severely enough that you will be unable to work for a long period of time, you should apply for any disability insurance benefits that you may have as well as for Social Security disability benefits if you qualify.
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