Personal injury as a result of an accident or a wrongdoing of another person mostly leads to much grief and inconvenience. As a victim, you are not only confronted with pain and other possible physical complaints, but also with various practical problems:

• your income declines, as you cannot work fulltime as you used to do, or because your health situation does not permit you to work overtime anymore
• you make unexpected medical expenses which are not covered by your insurance
• your out-of pocket expenses unexpectedly rise, f. ex. because you have to purchase a new bed due to your terrible back pain, or because you have to hire a house-keeper or a gardener to do the simplest daily tasks for you, which after the injury cannot be performed by yourself, or f. ex. because you have to redecorate your entire house as a result of a temporary of permanent invalidity etc.