If you have been injured in a car accident in Fort Worth, Texas, one of the first questions on your mind is probably who is going to pay for your medical treatment. Generally, the at-fault driver may be financially responsible for your accident-related medical expenses, although other parties and insurance policies may also be involved.
That gap between treatment and settlement is where things get complicated; Anderson Injury Lawyers is here to help. Our Fort Worth car accident lawyers have recovered more than $100 million for our clients and are ready to put that experience to work for you right away.
Contact us today at (817) 294-1900 to arrange a free consultation.
How Can Anderson Injury Lawyers Help With My Medical Bills After a Car Accident in Fort Worth, Texas?
Insurance companies are not in the business of making your life easier after a crash. The at-fault driver’s insurer will look for ways to reduce or deny your claim, and your own carrier may also push back on what it owes. Having an experienced attorney in Fort Worth, TX, handle the process from the start can protect you from costly mistakes and keep your medical treatment on track.
Our Fort Worth personal injury attorneys can help by:
- Identifying every insurance policy that may cover your medical expenses
- Handling all communications with the insurance companies involved in your claim
- Arranging treatment through letters of protection so you can see doctors without paying out of pocket while your case is pending
- Calculating the full value of your claim, including future medical costs
- Negotiating aggressively for a settlement that covers every dollar you are owed
- Filing a lawsuit and taking your case to trial if the other side refuses a fair offer
Call Anderson Injury Lawyers to schedule your free case review with a Fort Worth car accident lawyer. Our attorneys work on a contingency fee basis, so we only get paid if we recover money for you.
What Are My Options for Covering Medical Bills After a Fort Worth Car Accident?
Texas is an at-fault state, which means the driver who caused the crash bears financial responsibility for your injuries. However, their liability insurance pays at the end of the claims process, not while you are receiving treatment. Several other sources of coverage can help bridge that gap.
Personal Injury Protection (PIP)
Under Texas law, every auto insurance policy must include PIP unless you specifically declined it in writing. PIP covers medical expenses regardless of who caused the accident, and the minimum coverage is $2,500, though higher amounts are available.
One major advantage of PIP in Texas is that your insurer cannot seek reimbursement from your settlement. Unlike some other forms of insurance coverage, Texas PIP generally does not provide the insurer with a right of subrogation against an injured person’s third-party recovery.
Medical Payments Coverage (MedPay)
MedPay is an optional add-on to your auto insurance policy. It works similarly to PIP by covering your medical costs regardless of fault, but unlike PIP, your insurer may have the right to seek reimbursement once your case settles. MedPay can kick in after PIP runs out or serve as your primary coverage if you opted out of PIP.
Health Insurance
Your personal health insurance plan can also cover accident-related treatment. You will be responsible for your normal deductibles and copays, but those out-of-pocket costs become part of the damages you can recover from the at-fault driver. Keep in mind that most health insurers will assert a subrogation claim, meaning they will seek to be reimbursed from your settlement for what they paid.
The At-Fault Driver’s Liability Insurance
This is where your final recovery comes from. Texas law requires drivers to carry a minimum of $30,000 in bodily injury liability coverage per person. If your injuries exceed the at-fault driver’s policy limits, your own uninsured or underinsured motorist coverage may help fill the gap. Our attorneys can evaluate all available policies to make sure no source of recovery is left on the table.
Contact Our Fort Worth Car Accident Attorneys for a Free Consultation
Medical bills should not be something you have to figure out on your own after a car accident that was not your fault. Multiple sources of coverage may be available to you, and the at-fault driver’s insurance should ultimately be responsible for the full cost of your injuries.
Anderson Injury Lawyers can help you navigate the process with confidence and won’t hesitate to take your case to court if necessary. Contact our Fort Worth car accident attorneys today to get started with a free consultation.