When you are the victim of a car accident, you have your hands full handling your medical appointment and other needs. You should be able to relax and heal, yet there are many things likely to be on your mind. Some of those issues, such as dealing with insurance companies, you can pass off to your personal injury attorney. You can contact The Law Offices of Larry H. Parker at 800-333-0000 for help with that.
If your main concern is how you will pay for your medical bills, then we encourage you to keep reading to learn about various ways you can deal with your mounting medical bills while you wait for your settlement.
Your Own Health Insurance
If you have health insurance, then it should cover many crash-related expenses. This should include things like the ambulance ride, physical rehab, in-patient treatments, and others. When you first arrive at the hospital, make sure they know about your health insurance coverage so that all costs are billed correctly.
In the event that you receive a settlement that pays for the medical bills your health insurance has already paid, you will likely be required to reimburse your health insurance company for those fees. However, your attorney can negotiate for a lesser payment.
Medicare or Medicaid
If you have Medicare or Medicaid, then that coverage could cover the expenses related to your car accident. Once again, if you win the settlement, you will likely be required to pay this money back to the program once you have received your funds.
Subrogation
The name sounds complicated, but it is simple: it involves the insurance provider of the injured party paying medical expenses with the assumption that they will be paid once the settlement is received. This is a common option in cases of clear liability where it is almost guaranteed that the victim will receive compensation for their injuries.
Your Auto Insurance
In most cases, if someone else is at fault for your car accident, then their insurance company should pay for your medical bills. However, if you have supplemental coverage that applies, such as uninsured or underinsured coverage, then your own auto insurance policy might cover you.
We Can Help You Get Help with Your Medical Bills
If the idea of trying to deal with your medical bills fills you with dread, you will be pleased to know that there are options for you. The best option is to contact The Law Offices of Larry H. Parker at 800-333-0000 and let us help you. We can go over your bills and your options to determine whom to contact next. We are standing by to provide a free legal consultation.
