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How to Get Your Medical Expenses Covered After a Serious Injury
When you’re hurt in a serious accident, getting your medical expenses covered may be one of your first concerns. Medical bills can be costly, and if you’re living paycheck to paycheck, or if you’re already in debt, that can be a serious issue. You may want to focus on getting your health back, but debt collectors may soon come calling.
Getting your medical expenses covered is important, but it can be difficult. So what can you do when someone leaves you with serious injuries and costly medical bills?
Working with the Insurance Company
When your injuries have left you with major expenses, your first opportunity to get your medical bills covered is with the insurance company. You may be able to settle with your insurance company without going to court. The insurance policy you’ll use will depend on the type of injuries you suffered and who injured you. For example, a medical malpractice claim may be handled differently than a car accident.
In many cases after an accident, you may have an opportunity to file a claim with the insurance company. In theory, you should file your claim, get a settlement offer, and get your bills covered. In practice, it’s not always that easy.
That’s because insurance companies still want to make a profit, and paying for costly medical bills doesn’t help the company with that goal. Because of this, you may need to speak with your lawyer if they refuse to cover all or even any of your medical costs.
When to Write a Demand Letter
When your insurance company fails to settle with you, you’re not out of options for getting your bills paid. The insurance company may be underestimating your expenses, and you may need to submit more proof of your damages.
Your next step is to send a demand letter requesting the full compensation you’re due. This letter may include evidence of your injuries, copies of your medical bills, and the actual value of your claim. If you’re not sure what to include in your letter, your lawyer can help you determine the total amount you’re due.
Can I Sue for My Injuries?
Unfortunately, the insurance company may still avoid settling with you, or your expenses may exceed what your insurance policy will cover. But you’re still not out of options. If your insurance company denied you in bad faith, you may have grounds for a lawsuit against the company. Or you may be able to file a claim against the party responsible for your injuries.
First, if the insurance company fails to work with you, your insurer may be breaching your contract. The insurer may refuse to offer a fair settlement, use deceptive tactics to avoid paying, or refuse to respond to you at all. These actions may give you grounds to sue. A lawyer can determine whether the company is acting contrary to the law.
Beyond that route, you may have grounds for a lawsuit against the party responsible for your injuries. While a lawsuit may take time, your lawyer can represent you in the courtroom. They can pursue the compensation you need for all your expenses—from your needed medical expenses to your lost wages and other damages from the accident.
Act Now with a Personal Injury Lawyer
When your medical bills have gotten out of hand because of an accident, you shouldn’t have to pay for someone else’s mistakes. You may be due compensation for these costs. But that doesn’t mean it will be easy—the insurance company may be unwilling to settle with you, and the at-fault party may try to avoid paying for your injuries.
When you need your medical expenses covered, talk with the lawyers at The Law Offices of Casey D. Shomo before you settle for less. Your lawyer can help you maximize your compensation and cover your bills. That way, you can focus on your health, not on the debt collectors. Take your first steps with a free consultation. Call 561-659-6366 or fill out the following online contact form to plan yours.