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4 Tips for Covering Medical Bills After a Car Accident

Posted on June 26th, 2020 by Oddo & Babat, P.C.

Being involved in a car accident can change your life forever, especially when you receive serious injuries as a result of the incident. Not only may recovery take time, but you might also face thousands of dollars in medical bills in the aftermath. However, there are a few strategies you can use to cover these bills and avoid the overwhelming threat of medical debt.

  1. Contact Your Car Insurance Company 

Depending on the type of policy you carry, your car insurance may help you cover the cost of medical bills. Most policies carry up to $5,000 in coverage, and the amount you receive may depend on who was at fault for the wreck and the circumstances surrounding it. Speaking with your local insurance representative may help shed some light on whether your car insurance could cover some of the costs of your medical bills.

  1. Review Your Health Insurance 

If you are covered under your spouse’s private health insurance or Medicare, the cost of treating your injuries may be reduced. Reviewing your coverage can be helpful for determining copay costs, policy caps and reimbursement details. In many cases, coverage takes place at the time of treatment and once your insurance company pays its share, you will likely receive a bill for the remaining amount. You may want to make copies of these documents for future reference or if you decide to speak to a lawyer about your injuries.

  1. Determine Who Was at Fault 

If you still face additional bills once your insurance pays for its portion and your injuries have prevented you from working, you may want to consider filing a personal injury lawsuit to recover the rest of the money. Consider speaking to an attorney to determine who was at fault for the accident and whether you have recourse to sue the other driver. Police and witness reports may help you build a viable case.

  1. File Suit Against the Insurance Company 

If the other driver was at fault and his or her insurance company refuses to cover the cost of your medical bills, consider filing suit in response. Working with an attorney may help you gain the compensation you require, either in arbitration or in court. This can be especially helpful if you have ongoing medical costs, such as physical therapy or multiple medications.

Injuries from a car accident can affect your life in many ways, especially when the cost of the resulting medical care skyrockets. Consider speaking with a car accident attorney, like an attorney at Patterson Bray. They will be able to help you receive maximum compensation after your accident.


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