When you are involved in a car accident, there are many bills that accumulate to cover immediate medical attention, ongoing medical bills and property damage if needed. Not only may you feel emotionally overwhelmed by the accident, dealing with the legal nuances of insurance companies and filing a personal injury claim can get stressful. Speak with a personal injury lawyer in Sacramento who can help you through all the elements.
After a car accident, victims of injury must cover their medical costs initially. It may later be determined that the other driver was at fault and must cover medical costs, but this will happen after treatment. Luckily, there are several options for taking care of medical bills after an accident:
Medical Payments/No Fault Coverage – Commonly referred to as “med pay.” Med pay is optional coverage that an individual may opt into when choosing a car insurance policy. If an individual has this coverage, the insurance company will pay for medical costs no matter whose fault it is. They will pay for medical care before the lawsuit is completed. These policies often have a limit of $5,000, but there is a wide range of options available. Talk to your insurance company to understand your coverage or speak to a personal injury lawyer in Sacramento for more information. The amount covered varies as do the rules regarding how soon medical treatment must be sought or completed. You will be required to reimburse your insurer in the case of a settlement or other financial compensation.
Health insurance – If you have health insurance coverage through an employer or independently, it may cover some of the necessary treatment. This is not a permanent way to pay – there is a contractual duty to pay them back if you were awarded compensation. Using health insurance to pay for the upfront costs can help alleviate stress and allow you to get the treatment you need. If the case settles in your favor, you may get enough compensation to cover paying your insurance company back and then some.
Medicare/Medicaid – They typically will pay for treatment but can be more aggressive in being repaid.
Signing a lien. Signing a lien means postponing payment until the end of a case. Many doctors and health facilities will agree to a lien and treat you without immediate pay. However, if you lose the case or decide not to proceed, you will still owe whatever medical costs you incurred.
Out of pocket – If you have no other way to pay for bills, and the doctor will not sign a lien, then you may have to pay for the bills out of your own pocket, and hope for a quick settlement so you may be repaid promptly.
Car accident victims are accountable for all medical costs until a lawsuit has been settled. Individuals who receive a settlement or financial compensation must repay their insurance company or medical provider if their care was covered. This is because when an individual receives compensation, the sum the defendant is asked to pay is meant to cover at least some of the incurred medical costs. If the plaintiff’s medical costs were covered by insurance or the doctor, that individual has had their bills covered twice.
When it comes to seeking compensation from a car collision, medical bills can be a part of the conversation you have with a personal injury lawyer in Sacramento. Financial compensation can include many costs and loss of wages for the victim.
Under California law, you can recover damages for:
In the most unfortunate case of a loss of life due to a car accident, damages relating to that loss may be sought. The estate of the victim and the surviving family members can seek compensation for:
There are two main ways in which fault and compensation can be determined in California:
Individuals can try to negotiate a settlement directly with their insurance company without filing a car accident claim or lawsuit. The initial offer will most likely be unsatisfactory, prompting an individual to send a demand letter explaining the exact injuries due to the car accident and listing the costs of medical care.
In the case that an individual cannot come to an agreement with their insurance company, it may be necessary to seek compensation in court through a lawsuit. Car accident lawsuits are also helpful as additional damages such as for pain and suffering, emotional distress, or wrongful death can be sought.
In order to win a case, the plaintiff and his or her attorneys must prove several points:
The state of California has a comparative fault system. This means that the individuals involved in a car collision can be deemed each partially at fault for the incident. How much an individual is at fault affects how much they can receive in compensation. For example, if an individual is deemed to be 20% at fault, he or she can only recover 80% of the offered compensation.
Have you been involved in a car accident? Contacting a knowledgeable and motivated personal injury lawyer in Sacramento can help you get the compensation you deserve. We understand that the bills accumulated from a car accident can be high so we fight hard to get you compensated. Give us a call today for a free consultation.