These are an element of damage normally paid by an insurance company, regardless of fault. Generally, the insurance company pays an injured person 85% of the person’s lost wages, up to a state maximum that changes on a yearly basis. These lost wages are paid by the insurer for a maximum of three years. After three years, if a person is still experiencing lost wages, this can be an element of damage that the injured person receives from the party responsible (the responsible party’s insurance company) for the collision.