How to Have Medical Bills Covered After a Car Accident

Accident victims can claim adequate coverage from their own insurance companies. If there is someone else at fault, then their insurance policy should provide the compensation and this should cover the medical bills and property damage, if the policy has good limits.

Types of insurance policy

There are two types of insurance policies, depending on fault. One is called no fault policy, wherein the insurance policy of victims of a car accident would get coverage from their own insurer, regardless of whose fault it is. The other type is more like a general car insurance policy, where fault determines which insurer would pay for medical bills. The insurance policy must have adequate coverage for personal bodily injury to pay for medical bills.

Accident victims in states where no fault policies are available will be able to seek coverage from their own insurer. This may or may not happen in real time. Some policies have emergency medical benefits or coverage and this would make real time payments possible. Such polices would effectively help accident victims to pay for their medical expenses using the coverage.

Other policies would require the accident victims to pay for their medical bills and later the same can be reimbursed when the claims are settled. Such a process takes time, and it is best to have personal injury lawyers involved to represent victims of car accidents.

Claim approval

If accident victims need to rely on the claims being approved by the insurer of the party at fault, then the medical bills must be paid personally, and they can be recouped later when the insurance company accepts the claim. One must be able to provide all the medical bills and file a proper claim.

Defendants or parties at fault do not keep paying for medical bills in perpetuity. Insurance companies will need specific claims. Your compensation or claim for coverage cannot be random, and it cannot be ambiguous. Hence, in a way, accident victims have to be prepared to pay their medical bills, and then claim the same from the insurance company, their own, or that of the at fault party.

Accident attorneys

An accident attorney plays a crucial role in the whole process. Personal injury lawyers can help accident victims to keep a record of all the medical bills, to compute an accurate claim amount, and then follow up with the insurance company in a manner that would result in a desired outcome. Settlements are not easy in every scenario, so an accident attorney is the most appropriate expert to represent victims.

Since the medical bills have to be paid meanwhile, it is best to use health insurance or other similar policies. In case the insurance company pays upfront and then agrees to a settlement that includes some of the expenses they had already paid for, the difference would have to be returned. In case claims are being filed with the insurer of accident victims or the insurance company of the at fault party, it is best to eliminate potential expenses in the future and other variables. These would impair the claims process. Personal injury lawyers can deftly handle such complications.

Tricks Insurance Companies Use Against Car Accident Victims

Victims of car accidents will always have an uphill task of claiming the just and deserving coverage from their insurance companies. Unless an accident is severe and a victim has suffered extreme injuries, there is irrefutable video proof or accounts of eyewitnesses to establish the fault of the other driver, and other pressing circumstances such as media scrutiny in rare instances, the claims process will always be managed by adjusters representing the insurance companies and they will always try to reduce the coverage amount as much as possible. Insurance companies would be content if they can completely turn down a claim and pay nothing.

Trick: Pretending to be your friend

One of the first tricks insurance companies use against car accident victims is pretension. The representatives of insurance companies would pretend to your best friend. They would be warm and compassionate, forthcoming and helpful, gentle and friendly, pledging full cooperation and proactively offering their expertise to act as your representative.

All of these attributes and actions are a consequence of the professional training these adjusters undergo and acquire over a period of time. They would undergo a transformational flip and you would suddenly discover the rude reality that they took advantage of you, by pretending to be on your side, to effectively offer you a raw deal.

Trick: Attorneys aren’t needed

Most insurance companies and their representatives will tell accident victims that they do not need any personal injury lawyers. Insurance companies or their adjusters do not like to deal with any accident attorney. Personal injury lawyers have experience of what the adjusters are capable of doing and usually do to car accident victims.

A good accident attorney knows the right and the wrong courses of action and follow-ups. Hence, accident victims should look for a good personal injury lawyer at the outset. Adjusters would often ask victims of car accidents to provide a recorded statement. They usually ask for a full medical history. These may seem to be reasonable requests but they are not.

The adjusters will use your recorded statement and medical history against you. The recorded statement cannot be tweaked later. Something in your medical history that dates five years back is irrelevant now but adjusters will find a way to use it against your claims.

Trick: Delay tactics

A common trick is delay. Insurance companies often demand recorded statements, full medical history and the lack of intervention by an accident attorney, citing that they can expedite the process. Soon enough they would turn around and say that the materials submitted are delaying the approval process as everything is being assessed. The more time an adjuster takes, the worse it gets for victims of car accidents. Delays make accident victims more desperate and their financial liabilities compel them to accept a lowball offer.

Trick: Ask for more information

Insurance companies often do not respond in time. They keep asking for more information. The adjusters may try and lead you to believe in some processes that do not matter, some clauses that do not exist or tweak the whole case in a way that you seem to be partially or fully at fault. Adjusters often discount or dispute medical expenses, they dismiss or quest the severity of the injuries, insist on negotiations for settlement offers and they even spy on accident victims to try and find something that can be used against the claims.

Anyone who has been in any type of traffic accident, whether it was a car accident, truck, bicycle, or pedestrian, should always check with a lawyer who focuses on personal injury law to see if they have a case, and if they can receive compensation.