Learn the Basics of Dealing with an Insurance Company After a Car Accident in California

Every year, motor vehicle accidents cause more than 4.5 million injuries in the United States. This comes up to almost $463 billion in annual costs. With this in mind, figuring out how to pay for medical costs after an accident may be a difficult task. If you or a loved one has been wounded in an automobile accident caused by another driver’s carelessness, you should speak with an expert car accident lawyer.

After an accident, you should know who pays for medical treatment

California is an “at-fault” state when it comes to vehicle accidents. This implies that culpable (at-fault) drivers must compensate victims for their injuries and losses. It’s important to remember, though, that you and your automobile accident lawyer must establish culpability before you may get compensation.

In general, at-fault drivers and their insurance are accountable for medical bills such as, but not limited to:

  • Medical expenses
  • Fees for emergency rooms and ambulances
  • Rehabilitation costs
  • Medical expenses in the future
  • Prescriptions

Unfortunately, unless culpability is confirmed, you are accountable for any medical bills up front. Co-payments, follow-up medical appointments, surgery, and other out-of-pocket costs are examples. If you don’t have the money, there are other ways to pay for medical treatment after an accident while you wait for a settlement.

What is the best way to pay for medical expenses after an accident?

Determining blame and receiving a vehicle accident payout can take weeks, months, or even years. In the meanwhile, you’re responsible for paying your medical bills. Furthermore, your vehicle accident lawyer will most likely advise you to wait until you have reached maximum medical improvement before filing a claim (MMI).

There are a few methods for paying for medical bills while you wait for your automobile accident claim. They include, but are not limited to, the following:

  • Your health-care coverage
  • Medicaid or Medicare
  • Your vehicle insurance policy may include medical payment coverage
  • Medical liens or payment agreements with medical providers

Ignoring your medical costs is the worst thing you can do. Working with a skilled automobile accident attorney can help you receive the maximum amount of compensation due to you.

To speak with a car accident lawyer today, please contact us

Dealing with the insurance company while you heal may rapidly become daunting for automobile accident victims. You don’t have to, thankfully. The Law Offices of Larry H. Parker is here to help you receive the most money for your injuries. Our lawyers will:

  • Examine your claim
  • Negotiate with your insurance company
  • Fight for maximum compensation on your behalf and, if required, take your case to court
  • Assist you in determining the best ways to pay your medical expenditures while you wait for a settlement

To speak with an expert automobile accident lawyer, contact us immediately. We’re here to assist you with your auto accident coverage.