There are many issues that you need to address after getting injured in an accident. If you are hurt in an accident, and it is someone else’s fault, you may be wondering who will pay for your medical treatment.
A personal injury settlement would be great; that is if, by a stroke of luck, you will be getting when your personal injury lawsuit succeeds. But in the meantime, who is going to pay for your medical bills.
This article will help you solve your current financial predicament and help you manage health costs after injury. The answer may be simple, and it all depends on the type of your accident, the state where you are a resident, and the type of insurance coverage you have. However, untangling the insurance jargon is something else. Read this article to help you figure it out.
When you have been injured in a sudden accident, there are various problems you could face. You must reimburse for not being able doing your job or work, you must make transportation schedules. These may include improving physically from your accident injury, figure out how to cover your medicinal costs, and gain access to transportation when you need it.
What is a Personal Injury?
Personal injury is an element of law. A personal injury claim reimburses victims of accidents or social wrongs, like libel of character. The plaintiff in personal injury litigation is the person who is injured.
In cases where an injury results in the death of the victim, the plaintiff would be the agent of the deceased’s estate. The suspect in a personal injury claims would be that the person whose negligence caused an injury or loss to the victim. When the defendant asserts blame to opposite party, the other party is known as the cross-defendant.
A Personal Injury Attorney to the Rescue
When you are injured in an accident, there are plenty of questions on your head. Will you be compensated for not being able to work? Who will take care of your transportation arrangements? Who will cover your medical costs?
The last question is the most critical and needs an immediate answer. Let’s face it, hospital bills need to be settled.
It isn’t very easy to cover the cost of medication and treatment. And all the more difficult to figure out who should be responsible on your own. In this case, you need a personal injury lawyer. You will make sure that you receive the medical care that does not end up in a financial disaster for you.
In case you don’t have a personal injury lawyer, there are other options available for you to get your medical bills covered after getting injured. However, for your welfare, you should work with a lawyer as much as possible.
Obviously, the reason you hire an attorney is to help you through this process; and they very much will. Your attorney will help ensure your bills are paid, that everything is done in the most legal and efficient way possible and that you are compensated when it’s all over. But just like anything in life, if you want to stay in control of the entire situation, you must be active with what is going on.
At Alvine Weidenaar, LLP, we’ve helped thousands of victims get the full compensation they deserve for their injuries. The process is complicated, confusing, and frustrating. Dealing with the aftermath of an accident can be a heavy burden to carry, but we can help to take some of the load off.
Options Available to Cover Your Medical Costs
Auto Policy Coverage
If you get into a car accident, the general rule is you will be responsible for paying your medical bills as you incur them. You will be exempted if the car accident is in “no fault” states and accidents that are covered by insurance under medical payments.
This means that even if the person has caused the injury, he or she is not obliged to pay your medical bills. However, you can file a lawsuit and claim for damages. If that person is found to be at fault in a personal injury case, the payment for the damages will cover the medical costs. Here the defendant is not required to pay your medical bills right now.
Personal Health Insurance
When you have maxed out the amount in your car insurance, some states allow personal health insurance to cover part of the expenses. This is again dependent on the policy and the law of the state. In the US, the Affordable Care Act has made a provision for charging insurance companies in certain circumstances.
If there is a remaining balance on the costs of hospitalization and rehabilitation, it is to be shouldered by the injured party. This is where it becomes difficult because many injuries prevent the person from working. You will now be facing financial strains, and now you are facing denial of proper medical treatment because you cannot pay.
Contingency-Based Medical Billing
Another way to solve your current conundrum is to get the services of a personal injury attorney who can help you find medical service providers that will agree to charge you on a contingency basis.
What does it mean? The lawyer will arrange medical care for you with the agreement to pay the expenses when the settlement is reached with the insurer over your accident. When you have reached a settlement, the law firm will reimburse the health care providers for the services. The payment will come from the settlement check.
Working with a personal injury attorney will give you benefits. He or she will make sure that all your medical costs will be included in the settlement to make sure that you don’t suffer financial losses and you have monies for future care. All in all you need his or her help to manage health costs after injury.
