Regaining a normal quality of life after a car accident should be a victim’s main priority. But the medical bills in the aftermath of an auto collision can add up to thousands of dollars, quickly.
With the understanding that the rising cost of healthcare in Texas is a growing topic of concern, most people don’t have the money to pay for medical bills up front.
When medical bills pile up, they can lead to a mountain of debt that the victim will have to deal with eventually.
Thankfully, the personal injury attorneys at The Burkett Law Firm have decades of experience in pursuing maximum compensation for injured Texans facing medical expenses after an accident.
Types of medical expenses as a result of a car accident
Car accidents can result in serious injuries and the resulting medical bills and expenses can include, but are not limited to, the following:
- ER visits
- Lab fees
- Physical therapy or rehab
- Future medical expenses
This list may seem daunting, but The Burkett Law Firm is well-connected to local healthcare providers and medical experts to help in your fast recovery. As you recover, they’ll use these medical records and bills to build a strong injury case so you can receive the maximum reimbursement for your pain and suffering.
So, who covers the medical bills immediately?
Car accidents have long-term damaging injuries like a traumatic brain injury, that cause a person to be in and out of the hospital.
Your situation after the accident may leave you wondering, “Who’s paying these medical bills?”
Right now, obtaining compensation to help pay for your medical bills is the ultimate goal. In this article, the lawyers of The Burkett Law Firm will show you four ways to pay your medical bills after a car accident.
Options to take care of medical bills after a car accident
At The Burkett Law Firm, we are a family and treat each client as such. Let us help you explore the following options as we pursue a successful outcome in your car accident case:
Option 1: PIP or Med-Pay coverage within your auto insurance policy
To begin paying off some of your medical bills, you should first look to your car insurance coverages.
Every driver in Texas is required to carry car insurance and insurance companies must offer what’s known as personal injury protection (PIP) or med-pay coverage. However, drivers can opt out of PIP coverage.
If you were fortunate enough to keep PIP coverage and you submit your insurance claim in a timely fashion, PIP can be used to help pay 100% of your medical expenses, including doctor visits, treatments, and medications.
Even if the accident was your fault, PIP coverage will kick in. PIP also helps cover medical expenses for passengers who suffered in the car accident.
In the event you don’t have PIP or once your PIP policy limits run out, your personal health insurance may be able to provide some relief.
Option 2: The other party’s insurance
Since Texas is a fault-based state, any at fault-driver is responsible for accident-related damages. This means that if the other driver is found at-fault for the accident, you can file a claim with the driver’s insurance company.
The only issue is that insurance companies always look for a way to deny claims or pay less than what you deserve.
This is where your personal injury attorney’s expertise will come into play to gather evidence to build a strong claim.
Option 3: Your medical insurance plan may cover medical bills after a car accident
If you’re enrolled in a health insurance plan and your coverage is in effect, you may be able to use it to cover medical expenses after the accident. You’d still be responsible for paying the normal co-pays and deductibles.
Be sure to review your health insurance plan for details on how much will be paid by your medical insurance company. It’s smart to keep your receipts to create a paper trail of the medical expenses you pay.
A knowledgeable attorney may be able to roll these medical expenses into your car accident case as damages.
Option 4: The state or local government
Again, Texas is an at-fault state. This means the blame has to be placed with someone or some entity. The government is not exempt.
It’s quite possible for the government to play a part in causing the accident. For example, a pothole could have caused it. Or a poorly-designed road may have been the culprit.
If this is the case, proving that the city, state, or local government contributed to the accident or was negligent in some way is not easy, and usually requires the assistance of an experienced local attorney.
Reach out to The Burkett Law Firm, where every case is personal
If you’re sitting at home wondering how you’ll cover your medical bills, contact the three generations of Corpus Christi personal injury attorneys at The Burkett Law Firm. We know medical bills pile up fast after a serious accident but you’re not just a number at our firm. Give us a call today so that we can start taking care of you now.