Motor vehicle collisions can cause a wide range of injuries to the people involved. From broken bones to traumatic brain injuries, the harm people suffer in car crashes often leaves them with staggering medical bills.
Unfortunately, many people in California do not have health insurance. Even more people have medical coverage with high deductibles that can be difficult for people to meet, especially when they can’t work. Deductibles of $3,000 or $5,000 are common. Many policies also contain co-insurance requirements, which mandates that the policyholder must pay a certain percentage of all care that they receive.
You shouldn’t have to worry about whether you can afford treatment because you’re out of work due to an injury. Filing a personal injury lawsuit against the individual responsible for your collision is one way to ensure that you can cover the expenses related to your medical care.
Sometimes, motor vehicle policies will cover your costs
Depending on the terms of your car insurance policy and the policy of the other driver, you may have some potential coverage for medical expenses not directly covered by medical insurance. However, there are many circumstances that could still leave you financially vulnerable.
For example, if you or the other driver have the smallest, least expensive policy with lowest premiums, there may not be adequate medical coverage built into the plan. This is a significant risk for those who will need expensive surgery or ongoing care. Additionally, if you don’t have a robust insurance policy, you may not have protection if the other doesn’t carry insurance. Roughly 15 percent of California drivers don’t have a policy.
Barring those circumstances, you may be able to negotiate coverage of ongoing medical expenses by the car insurance company. Having a personal injury attorney handle that negotiation on your behalf is one way to improve your odds of connecting with the money you need for medical treatment.
Never accept a settlement until you know what your costs really are
If you can’t work because of your injury, your bills may start to quickly overwhelm your household. That can leave you in a financially precarious position. Don’t let an insurance company take advantage of that.
Many companies will intentionally offer low initial settlements that don’t truly cover the cost of medical care. They do this because they know that people who are desperate to make ends meet will accept a settlement without fully considering it. Before you sign or agree to anything, you need to consult with a personal injury attorney.
Your lawyer can help you figure out if the settlement offer is reasonable and help you with the negotiation process if it is not. The right legal representation can make all the difference for those worrying about covering medical costs.