A person who is injured in California may have a number of options to get their medical bills paid and covered by insurance. At The Law Offices of Larry H. Parker we often get questions from clients who do not know if their insurance will cover their injuries from an accident such as a car accident, if they are required to pay their medical bills out of pocket, or what their options are during the lawsuit process. Keep reading to get basic answers but feel free to call us at 800-333-0000 for a free legal consultation and answers to your specific questions.
There Are Several Types of Insurance That Could Cover Your Injury
A person who is injured in California could potentially have their medical bills paid by a variety of different types of insurance. The most common is private insurance, which is insurance you either buy individually or through your employer. Another option is Medi-Cal or similar government insurance plans.
There could be additional ways to get your medical costs paid, such as your renter’s insurance policy or homeowner’s insurance policy. Depending on the specifics of the type of accident, your medical costs and the costs of anyone else injured could be covered. Of course, this would not be the case with a vehicle accident but may apply to something such as a slip and fall accident.
You May Be Covered by More Than One Policy
It often happens that an accident victim is covered by more than one insurance policy. In that situation, your attorney will need to look at your policies and determine which will cover what. We know the ins and outs of all types of insurance policies and we can ensure that you are submitting your claims to the insurer how is most likely to pay the maximum amount on your claim.
Your Insurer is Likely to Get Money if You Win Your Personal Injury Case
In the event that your insurer pays your medical bills, then they are likely to be entitled to a portion of the settlement you receive. Your insurance company may even offer to bring a case on your behalf, but we generally recommend that you do not choose this route. Remember that your insurance company has a different goal than you do – they simply want to get paid as quickly as possible, while you want a settlement that covers your long-term damages.
Whether you have several insurance policies or none at all, whether you have mounting medical bills or they have been taken care of, it is always wise to have a personal injury attorney on your side. You can reach The Law Offices of Larry H. Parker at 800-333-0000 now to request a free legal consultation. We will carefully consider your accident claim, the evidence, and your side of the story before providing our best legal opinion regarding your options.