Were you seriously injured in a Nashville, TN auto accident? If so, you may be wondering how to deal with one of your most pressing concerns: paying the medical bills that are starting to pile up.
This is a major problem for many car accident victims, as medical care is extremely expensive. According to the National Institutes of Health (NIH), merely checking into the emergency room costs around $1,200. For many auto accident victims, medical bills quickly reach above $10,000 and may go much, much higher.
While accident victims require immediate treatment, the legal claims process can be very slow. If you are filing an insurance claim for compensation, it could take months or years before your case is fully resolved. What can you do when you have medical bills to pay, but your personal injury case not been settled?
Here, the experienced Tennessee personal injury attorneys at Bill Easterly & Associates discuss how to handle your medical bills while your legal claim is still pending.
If you were injured in a Nashville car accident, your medical bills will likely start piling up almost immediately. Of course, this means that you will be receiving medical bills long before you are able to reach a settlement with an opposing insurance company. Under the law, those bills are your legal responsibility.
Our team understands just how distressing this can be for victims. For victims who do not have the financial means to front the costs and seek reimbursement from the insurance company at a later date, a solution is needed now. Fortunately, victims do have options available:
First, you should look for immediate coverage under your health insurance policy. If you have health insurance, whether it is through an individual plan, a private group plan, a work-related plan, or Medicare or Medicaid, that provider has a legal obligation to cover your immediate needs. Even if another party was at fault for your accident, your own health insurance company should step in and fill the gap while your personal injury claim is pending. If personal injury claim is eventually settled, your health insurance can then deal with the subrogation issues to determine which insurer will bear the costs of the accident. Either way, the cost should not fall on you.
Most health insurance policies come with large deductibles. This means you could be left on the hook for thousands of dollars of medical bills, even if you are able to obtain coverage under your health insurance plan. At this point, you should look to your own auto insurance policy. Many Tennessee motorists have some type of MedPay coverage included with their policy. MedPay coverage is designed to provide immediate financial assistance following a crash, regardless of fault.MedPay is first-party insurance coverage, so your own policy will cover your medical bills. When searching for an auto insurance policy, some drivers believe MedPay coverage is redundant, but it is not. As most insurance policies come with deductibles, MedPay can step in and cover that deductible so that you will not have out-of-pocket costs. Further, your MedPay becomes active from the very second your car accident occurs. It can help you while you are waiting for your personal injury claim to be resolved.
In some cases, auto accident victims may also be able to tap into their uninsured/underinsured motorist (UM/UIM) coverage. Under Tennessee law, all drivers are required to carry liability insurance. Unfortunately, many drivers fail to live up to this basic legal duty. In fact, according to a recent study from the Insurance Information Institute (III), more than 20 percent of Tennessee drivers are uninsured – the sixth highest rate in the entire county. UM/UIM coverage can protect innocent victims in accidents in which the at-fault driver lacks adequate insurance coverage.
If you lack any sort of insurance coverage to get temporary financial relief from medical bills, your attorney may be able to help you work with medical providers to handle this issue while you are waiting for your legal claim to be resolved. This is a very case-specific solution, so if you find yourself in this predicament, it is critically important that you reach out to a qualified Nashville personal injury attorney immediately. An attorney with deep experience handling medical bills and related issues will be able to review your circumstances and help you determine exactly what you should do to best protect your health and your family.
Finally, there is no substitution for a personal injury claim. Following a severe injury in a car accident that was someone else’s fault, victims should file a personal injury claim to obtain the settlement offer that they deserve. While personal injury claims can sometimes take a long time to settle, it is imperative that victims are patient and persistent so that they can protect their family’s finances over the long run. Otherwise, you may be left on the hook for some of your own medical expenses. You should not settle your claim for any less than you deserve. Through a personal injury claim, our experienced legal team can help you seek financial relief for:
– Property losses, including automobile damage
– Emergency medical expenses
– Other hospital bills and doctor’s bills
– Treatment with specialists
– Required physical therapy
– Medical equipment
– Long-term disability
– Lost wages
– Diminished earning capacity
– Pain and suffering
– Emotional distress
– Loss of limb
– Loss of lifestyle enjoyment
At Bill Easterly & Associates, our legal team goes the extra mile to help our clients recover full and fair compensation. We want you to focus on your health while we focus on your legal claim.
If you were injured in an accident in Tennessee, please contact us today to schedule your free, no obligation initial consultation. From our office in Nashville, we serve victims throughout the region, including in Davidson County, Rutherford County and Wilson County.