Been in a car accident? Had to pay for your medical expenses as well as to repair the car from your own pocket?
The first answer that comes to your mind is probably the other person who caused your injury in the first place. In other words, you will think the person who caused the accident will pay your bills.
Well, that's true but only if the verdict is in favor of you. Also, the case may take some time and this means, you'll have to look at different ways and means to pay your medical bills right now, regardless of whether it will be compensated by the defendant in the future or not.
So, here are some ways to foot your medical bills after an auto crash. Most people are not even aware of these options, so it is best you get in touch with experienced auto vehicle lawyer who can guide you in the right direction, so you don't end up paying for all the expenses out of your savings.
No-fault state
One good entity that you can bank on is your insurance company. There are some insurance policies that cover a "no-fault" state. This means they foot your bill regardless of whether it is your fault or the fault of another person. This way your medical bill or at least a part of it will be covered, depending on the terms of the policy.
In all states though, there is a limit on how much you can claim through a "no-fault" state and this is always less than $10,000. If your bills exceed the maximum amount set by the state, you will have to take care of the remaining amount yourself.
Med pay
Some states do not have "no-fault" states, and instead, they have a medical payment insurance coverage, often called med-pay. This policy will pay the medical bills of the driver as well as the passengers up to a certain upper limit, which is usually $10,000 or less.
The good news is this med-pay coverage will pay you, even if you don't have this coverage on your insurance, but provided the person at fault has this med-pay coverage as a part of his/her insurance policy.
Despite this advantage, med-pay is a bit tricky because it is not always available and come with an extensive set of terms and conditions. So, take the help of a lawyer to see if you will qualify for it.
Insurance
If you don't qualify for either of the two above options, check with your insurance to see if they can cover your medical bills under any clause. Again, a good lawyer can come handy here because many insurance companies would want to reject a claim unless it is backed by solid evidence.
In short, these are some ways to foot your medical bill after an auto crash, so you can avoid the financial drain that comes after it. It is a good idea to consult a lawyer after a crash to understand the different financial options you may have.
Comments (0)Subscribe to CommentsComment