After a car crash it could take years to recover financially. As your body is healing, your bank account and credit report could become depleted and damaged to lose of income and bills piling up.
The driver responsible for the car crash is liable for the damage inflicted during the accident, but the claims process could take time for you to receive any financial compensation. So, the question is, what do you do with your bills while you wait?
Your car insurance policy
After the car accident, both insurance companies will conduct an investigation of the case before determining fault. If you have medical payments coverage through your own automobile insurance policy, you can use that to help pay your medical bills. However, there’s usually a limit, and there’s a good chance that the emergency treatment you received immediately after the crash will take most of your medical payments coverage.
Your healthcare insurance
If you have health insurance coverage, the hospital where you received treatment will bill your health insurance company. You will have to pay your deductibles for treatment upfront. As your car accident claim continues to go, you may have to continuing paying these out-of-pocket costs until there is a resolution.
Even if you are unclear on your insurance coverage, North Carolina law recognizes doctor and other medical provider’s right to be paid for their services. But, just know that any payments you make out of pocket can be reimbursed at the end of a successful lawsuit or insurance claim.
The at-fault driver
Once the insurance companies determine liability, you could receive compensation from the other driver’s insurance company. Your medical files should be sent to the responsible driver’s insurer, as well as all your payment records. You should receive reimbursement of these costs as should any appropriate policies.
Part of a car accident claim is ensuring that you receive just compensation. Having an experienced injury attorney on your side is key to a successful outcome of your claim – one where you may receive repayment of any monies paid out of pocket and getting your insurers paid on your behalf.
For most people, car accidents are not an everyday occurrence, but for the attorneys at Hardee, Massey & Blodgett they are just that! With more than 58 years of combined legal experience, our Greenville, NC car accident attorneys have in-depth knowledge and experience handling medical bill payment issues.
If you or a loved one has been injured due to the negligence of another part, call us today. 252-378-2525, to schedule a free consultation. Our team of attorneys are dedicated to taking on insurance companies and at-fault parties. Put us to work for you.