Getting medical bills paid is the primary goal in most personal injury claims. Whether you’ve been injured in a car accident, a slip and fall, a motorcycle accident or another accident, unexpected medical bills can add up quickly.
We get it. Paying these medical bills is stressful, especially if you or your loved one is unable to work as they recover from the injury. Let’s look at the medical expenses often involved in a personal injury claim, the expenses insurance may cover, and how to get your medical bills paid in a personal injury claim.
Medical Expenses in a Personal Injury Claim
In a personal injury claim, you can be reimbursed for past and future medical expenses associated with the injury you sustained from the accident.
Past medical expenses are usually straightforward and easy to prove with medical records and bills that you have received. These expenses often include the cost of your ambulance ride, emergency room treatment, costs for your hospital stay, diagnostic tests, surgery costs, medication and rehabilitation. Proving future medical expenses is more complex. It may require the testimony of a doctor or medical expert to explain how your injuries will continue to cost you.
The amount of recovery that you can receive from your personal injury claim usually depends on the severity of your injuries. For instance, if your injuries result in a permanent disability, your claim will be worth more than if you suffered a minor injury.
One of the main reasons victims choose not to file a personal injury claim is because they assume the insurance company will take care of everything in their favor. Unfortunately, that is not always the case.
What Expenses Does Insurance Cover?
Depending on your personal injury claim, a variety of insurance policies may cover your medical bills. Every claim is different because the facts, injuries, and insurance policies involved are different and each has certain limits.
For example, Alabama uses a fault-based system for auto insurance claims, which means that fault affects how and in what way compensation is paid. This also means that the amount of insurance coverage that the defendant has will affect your claim. If you are injured in a car accident, you can file an insurance claim with the at-fault defendant’s insurance company. But, if your claim is more than the defendant’s insurance policy limits, their insurance carrier is only responsible for paying the maximum amount of their coverage leaving the defendant personally liable for any excess.
What insurance companies don’t want you to know is that their goal is to pay you as little money as possible to settle your claim as quickly as possible. Accepting a settlement offer from an insurance company can leave you with a pile of unpaid medical bills.
How to Get Your Medical Bills Paid in a Personal Injury Claim
The truth is you should not be responsible for paying for any of these medical expenses after you suffer an injury caused by someone else’s negligence. The person or company responsible for your accident should pay 100 percent of your medical bills and maybe even more. Here are 3 steps to get your medical bills paid in a personal injury claim:
1. Hire an experienced personal injury attorney.
First and foremost, don’t go at it alone. An experienced personal injury attorney can help you navigate the complexities of insurance policies, Alabama law, and ultimately, maximize the amount of compensation you receive to cover your medical bills.
2. Document your past and future medical expenses.
Start a file with all your records, notes, receipts and proof of payments for anything related to the accident and your injuries so that you may be fairly compensated for your medical expenses. If you expect your medical costs to continue, get an expert to testify to the costs that you will need to pay in the future. Without these records, you will not have sufficient evidence of your loss.
3. Prove the defendant’s negligence.
As mentioned earlier, fault is one of the most important aspects of your personal injury claim in Alabama. To have your medical bills paid for in full, you must prove the defendant’s negligence. You’ll need to show three things to successfully pursue a personal injury claim:
● A person or business did something careless, illegal or otherwise wrong.
● How the act of wrongdoing caused harm to you (directly or indirectly) led to damages, such as bodily injuries and medical bills.
● The person or business who caused this harm or their insurance company has the money to pay you damages.
When you are injured in Alabama, proving fault and negligence is not always as simple as it seems, but it’s imperative to recover compensation for your medical bills. At Petro Accident and Injury Attorneys, we are here to fight for you and help you get your medical bills paid.
Call Mark Petro of Petro Accident and Injury Attorneys
Mark Petro has built a reputation of being the go-to guy to get personal injury claims handled in a manner that maximizes the amount of recovery so that you get what you deserve sooner rather than later. Call Mark Petro of Petro Accident and Injury Attorneys for a free consultation about your case. Let us fight for you!