When you get injured in a car accident, you might need to have multiple doctor’s appointments, take pain medication, and miss hours of work. In addition to being very painful, the aftermath of an accident is also quite expensive.
However, your Personal Injury Protection (PIP) insurance should pay for your accident-related bills. This sounds simple enough, but getting compensation can be a long process.
Once you file an insurance claim, it may take several months to get a settlement offer. The first settlement offer you get is unlikely to be satisfactory, and you and your attorney will have to negotiate with an insurance adjuster until you can reach a fair settlement. Fortunately, there are a few things you can do to pay your bills while you are waiting for your insurance settlement check to come in.
The health insurance that you have through your employer or that you have obtained on your own should help pay the initial medical bills from your accident. If you have Medicare or Medicaid, those forms of insurance can pay for your accident bills as well. You should save a copy of every medical bill you get as well as the statements from your insurance company.
When you are injured, you will provide the hospital with your insurance information. If you were injured at work, your employer’s worker’s compensation insurance should pay for the bills.
When you make an insurance claim, you will provide the insurance company with all the documentation that you have collected. When you receive your settlement claim, you will be expected to pay your health insurance company back for the bills they covered.
Drivers in Florida for example are expected to carry a certain amount of insurance. A driver must carry $10,000 of personal injury protection insurance and $10,000 for property damage liability. The maximum deductible you may have is $1,000 for PIP coverage and $500 for property damage coverage.
In some cases, the cost of your injuries might exceed the amount of auto insurance coverage that you have. In this case, your health insurance might pay for the excess costs.
Although Florida is a no-fault state, there are some situations in which you may be able to sue an at-fault driver for negligence. If your injuries are very severe, you may be able to sue a negligent driver for pain and suffering damages. These are any non-monetary damages caused by your accident. They include depression, anxiety, and loss of quality of life.
Work Out A Plan with Your Medical Provider
According to 1-800-Injured, if you do not have health insurance and explain to your doctor that you should be getting an auto insurance settlement soon, they may be able to work out a deal with you. They are likely to ask you to sign an agreement stating that you will pay them for their services once you receive your insurance settlement. This agreement is called authorization and assignment.
Both you and your lawyer will sign this agreement, and you must pay your healthcare provider before you receive the remainder of the settlement.
If you need help making your co-payments while you are trying to recover from your accident, you can get a medical loan. Generally speaking, medical loans are easier to be approved than other types of loans.
Several banks give loans strictly for medical purposes. The amount of money you receive will depend upon the type of injuries that you have. Once you are approved, it normally takes a few days to a week to get your money.
Why You Need an Attorney
If an insurance company accepts your claim, they will give you a settlement offer. Before you accept that offer, you should always talk to your attorney. In many cases, insurance companies will try to pay you less than you deserve, but an attorney will know what amount of money is fair. They will be able to talk to the insurance adjuster and negotiate with them with a level of experience and knowledge that you are unlikely to have.
An attorney can help set up a plan with a medical provider and will understand and explain the language in an authorization and assignment agreement.
When you get injured in an accident, your main duty is to get better. You should get any medical treatment that you need without worrying about the bills. The right lawyer can get you the money you will need to pay everyone back and get on with your life.