In addition, there are various things that help adjuster to determine correct multiplier. The more painful injury, longer recovery period, more obvious medical evidence of injury, more invasive and long-lasting medical treatment, and more serious and visible any permanent result of injury, higher multiplier is, too. Also, more of your treatment you receive from a physician or at a hospital, or opposed to physical therapy, chiropractic and other non-MD treatment, a higher multiplier is also used.

Once you know how insurance companies use damages formula to start negotiating, you are close to figuring out total value of your claim. The extent each person is at fault is most important factor affecting how much insurance company is likely to pay. The damages formula gives you a range of how much your injuries might be worth, but only after you figure in question of fault do you know actual compensation value of your claim -- that is, how much an insurance company will pay you.

When you already know how insurance companies utilize damages formula to begin negotiations, you are near at finding out exact and total value of your claim. The degree that every person is being held liable is most significant element that affects amount that insurance company is most likely to pay an accident's victim. The said formula for damages provides you with range of how much your injury might be worth but only after you figure in question of fault do you know actual compensation value of your claim - to be exact, how much an insurance company will compensate you.

In addition, it is necessary to document everything that has happened to you because it will be of great help in proving your case if ever you’ll report it to a jury, company investigator, or government agency. Begin by gathering and keeping evidences such as disgusting notes, cards and photos you have received and taking note of some important dates. Also, keep a journal with complete information. Write down names of all involved people, time and place where it happened, and how it affected your performance on job.

For your information, there exist state and federal laws protecting employees from sexual harassment while in workplace. These laws are actually same as laws defending employees from sexual preference discrimination. Most states have their own laws on reasonable employment practices stopping sexual harassment that are often stricter than federal laws. Therefore, your personal records on your harassment experience are indeed very important when you consider taking legal actions against your harassing co-employee.