Medical bills can pile up quickly after a car accident, and determining who pays them can be difficult. There may be multiple options for getting your damages covered. A knowledgeable car accident lawyer can help you explore all the possibilities for paying your medical bills.
For guidance in navigating the insurance claim process or litigation after being injured in a car accident in Fort Worth, contact Anderson Injury Lawyers. To schedule a free consultation of your case, call us today at (817) 294-1900.
Insurance Company Offered $4,000, We Fought and Won $45,000
Should I Use My Health Insurance if I’m Not At Fault?
If you’re hurt in a car, truck, or motorcycle accident, and it was someone else’s fault, you’d naturally expect the other person’s policy to pay your medical bills. Since they caused the accident, they should be responsible for your injuries and other damages, right?
Unfortunately, there’s a common setback to this logic. The other person’s insurance company will not pay your medical bills while your treatment is still ongoing. Insurance companies will only pay you after your doctor’s appointments, surgeries, physical therapy, and other treatments are complete.
Additionally, the other driver’s coverage company might refuse to pay for treatments you receive that they feel were unnecessary.
Alternatively, you can use your own health insurance in the meantime. However, there are factors to consider when using your own health insurance. You should work closely with a personal injury lawyer to learn about your options and which steps are best for you.
Why Use Your Health Coverage After an Auto Accident?
When you're hurt in an motor vehicle accident, you need to seek treatment quickly. Not only does medical help your physical recovery, but it also helps your case if you have to file a lawsuit later down the line.
Prevent Bills from Piling Up
If you have health insurance, it's wise to use it to pay your medical bills as they're incurred. Why? Depending on the severity of the accident, it's possible to rack up thousands of dollars in medical expenses.
By using your own medical coverage, you won't have to worry about your bills as you're trying to recover from your injuries.
Avoid Medical Bills Going to Collection
Further, using your own coverage prevents your bills from being sent to a collection agency and possibly causing you credit problems. It's another sad story we see too often: people don't even realize their unpaid bills are hurting their credit, and by the time they turn around to fix the mistake, it's too late.
There's a time limit to submit your medical bills to your coverage, sometimes as short as 30 days.
Will Using Your Own Health Coverage Save You Money?
Don't forget, you're using your health coverage as you're waiting for your claim to settle. At the end of your case (assuming it's successful), you'll receive a settlement from the other driver's auto protection company.
You Won’t Have to Pay Bills Separately After Your Settlement
In the long run, you'll likely pay less for your medical treatment since you won't have to pay all your medical providers back separately after your claim is settled.
Your health insurance company has a contractual agreement with your medical providers and the company usually pays only a portion of the fee charged; the remainder of the fee is discounted.
You’ll Receive More Settlement Money
When your claim is finally settled, your health insurance company will ask for reimbursement (called subrogation). The reimbursement amount from a subrogation is usually less than was actually paid to the doctors, hospitals, etc.
If you use your own health coverage, more of the settlement will go directly to you.
Does Having an Attorney Make a Difference?
Although you are not required to work with an attorney after a crash, it can take the stress off you during this difficult time so that you can focus on recovering and getting back to your life.
We Specialize in Personal Injury Cases
The attorneys at Anderson Injury Lawyers focus on personal injury cases. Two of our leading attorneys – Mark A. Anderson and Robert Kisselburgh – are Board Certified in personal injury trial law by the Texas Board of Legal Specialization.
When you work with us, you are guaranteed to have someone on your side who understands the law and has significant experience with cases like yours.
We Can Help You Get Medical Help
Anderson Injury Lawyers has vast connections with medical providers who can treat an array of catastrophic injuries after an accident.
Suppose you are concerned about how to pay for your medical treatment. In that case, we can also find you a provider who will work with your insurance company or develop an alternative payment method until you get a settlement.
We Conduct a Thorough Investigation and Gather Evidence
After a car accident, it’s essential to conduct a thorough investigation and gather as much evidence as possible. We often hire private investigators and experts to provide opinions about what happened and who is at fault.
Let Us Help Cover Your Costs After an Accident
After you've been in an accident, you need a Fort Worth personal injury lawyer. Our firm offers a free, no-obligation consultation to all injury victims in the Fort Worth area. We have offices in Fort Worth, Keller, Arlington and Dallas.