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An injury claim can help you tackle medical debt after a crash

On Behalf of | Dec 13, 2021 | Car Accidents |

A car crash can occur out of nowhere, especially when you are not the one at fault. You stopped, you checked traffic, and you used your turn signal. Unfortunately, someone else was far less diligent. They sped through an intersection without checking it first or had their eyes on their phone instead of on the road.

Now, you are in the hospital with a major injury. Not only will you miss several weeks of work, if not more, but you will have thousands of dollars in medical bills. If your medical expenses and lost wages exceed the insurance coverage, then you could be the one responsible for those mounting medical bills.

Hospitals are often aggressive about debt collection

Medical debt is a serious issue in California, and many medical facilities will aggressively pursue unpaid debts even from individuals who are currently incapable of working because of their medical conditions.

Some people will shrug off such collection attempts with aphorisms, like the idea that you can’t squeeze blood from a turnip. However, hospitals have ways of getting what they are owed that could affect you for years to come.

The debt from your trauma care or surgery could lead to a lawsuit and a lien against your home. You could lose out on tens of thousands of dollars in home equity over hospital debts after a car crash. If insurance has already paid as much as they will, then your only other option to protect your own finances after a wreck may be to file a civil lawsuit.

Personal injury claims protect crash victims

You did not cause the crash, nor did you decide to carry a ridiculously low amount of liability insurance. Both of those bad decisions were made by the other driver, yet you’re the one facing lifelong financial consequences.

When you can show that someone else’s negligence or misconduct caused your injuries, you can take them to court to claim all of the financial losses you have suffered now and will likely suffer in the future. Whatever their insurance didn’t cover could contribute to the amount that you seek in court.

A successful lawsuit could help you avoid aggressive collection activity by the hospital or medical facility helping you with your recovery. Taking the right steps to protect yourself after a car crash may include choosing to hold someone accountable for your losses.

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