Paying For Your Medical Expenses After A Car Accident

It is important that you are informed of the options that you have after being involved in a car accident, especially if the other person involved was at fault for the crash. Knowing how you are going to pay for your medical bills can take a huge load of stress off of you and leaves you the ability to focus on recovering without worrying about how you will pay your bills. If you are in a car accident in Oklahoma City, Oklahoma, even the accident was relatively minor, you should still be seen by a medical professional to make sure that you don’t have any injuries that could potentially become more serious. Most people are not fully aware of how serious their injuries are, so being properly diagnosed is always best. It is pretty common for some serious injuries to take hours or even days to present symptoms. The sooner you are seen by a medical expert, the sooner you can begin your treatment and get on the road to recovery.

The main concern most people have after an auto accident is figuring out how they are going to pay for their medical bills. In general, anything related to medical care tends to be confusing. When you add car accident injuries to it, things can get a little crazy! Many people become unsure of what they should do, so they resort to putting off treatment. It is totally understandable considering a single ambulance ride to the ER can end up costing you hundreds. Despite this, it is important to remember that it is crucial for your overall health to seek medical attention after being involved in an accident. It's important to know what options you have after a car accident, especially if someone else was at fault for the crash. Knowing how your medical bills are covered is a huge stress relief allows you to focus on yourself and your recovery.

At-Fault Driver's Insurance Company

If someone else reckless driving caused your car accident and you suffered an injury, it is up to the negligent driver's insurance company to compensate you for your medical expenses. However, you must prove fault in order for them to pay for your medical treatment(s). Unfortunately, it is not always an easy thing to do on your own. It also means that it is possible you may not get reimbursed until months or, at times, even years later. There are many insurance companies that will tell you to seek treatment you will be reimbursed later. Though, there is a possibility that they may only offer you partial reimbursement and reject your claim to get full compensation.

While this sounds horribly unfair, if you weren't at-fault you should not have to pay up-front to get better. Without the help of an attorney, you will most likely not be able to have your medical bills paid for upfront by the insurance company.

Auto Policy Med-Pay

According to the dmv.org, when people consider the necessary car insurance coverage to buy, they worry most about the financial implications of damage to their vehicle. However, if you really reevaluate your priorities, your health is obviously far more important than your car. Medical payment coverage generally pays for any medical costs after you are hurt in a car accident, regardless of who is found at fault for the accident.

Medical payments insurance may help pay for:

• Injuries sustained by your passengers
• Injuries you sustain as a pedestrian or bicyclist after being hit by a car
• Any dental care you need due to a car accident
• Funeral expenses

The DMV also states that benefits and restrictions of medical payments coverage will differ among car insurance companies. People who have med-pay can have different amounts on their policy so it is good to call and find out what amount yours will cover if this is an option for you.

Attorney Lien

A good option for you to get medical coverage after a car accident is an attorney lien, which means that you hire a personal injury attorney. You should choose an attorney that will agree to sign a lien with the medical facility where have gotten medical treatment. The lien should state that any medical bills you have acquired will be covered during the settlement process.

Basically, you will not owe any up-front fees for your treatment and recovery because your medical expenses will be paid out of your settlement amount once the case has been won by your attorney. This a good option for people who don’t have enough money to pay for the medical bills on time while they wait to get a settlement. It is also smart to hire an attorney to make sure that you receive the compensation that you are owed. If you haven't received treatment since the accident, your attorney will most likely recommend you see a chiropractor.

When you are involved in a car accident that isn’t your fault, it important that you seek medical treatment, and an appointment with an experienced chiropractor will be the best choice for a quick recovery. The chiropractors at OKC Spine and Injury Relief Center specialize in treating car accident injury victims. We have worked with hundreds of patients who have been in accidents. We will not only help you recover, but we will also work with your attorney to make sure that you don’t have any out-of-pocket medical expenses. Car accidents are stressful enough – you don’t need to worry about how you’re going to pay for everything.

At-fault Driver

If the other driver’s insurance policy isn’t enough to cover your losses, there are other places that you can look for compensation for your medical expenses. The other driver should pay for all of your medical expenses even if their insurance policy isn’t enough to cover the full amount. They should compensate you directly for other expenses above the limits of their insurance policy. Also, your own insurance might cover your various medical expenses. If you have uninsured motorist coverage or underinsured motorist insurance, your insurance may help fill in the gap. Alternatively, if your accident involves a ride-sharing service like Uber or Lyft, there are ways you can appeal to the company directly to receive compensation for your medical expenses.

To receive compensation for your medical expenses, it’s important to know exactly what those expenses are. Documenting your expenses dollar-for-dollar is very important. If you have any expenses relating to travel to your medical appointments, you can include travel costs in your expenses.

To prove your expenses, it is best to keep track of bills for your different medical treatments. Keep a record of your appointments. If your case goes to court, you need to be able to prove to the jury what expenses you have for anything medical related. Keeping careful records throughout your treatment can make it easier to prove your claim and get the fair compensation that you need for your therapy.

When you have long-term injuries, you must decide if your ongoing therapy (whether physical therapy or chiropractic therapy) needs compensation. You can work with a medical expert to find out how long you’re going to need therapy to make a full recovery. You can include long-term expenses in your claim by estimating your expenses that are likely to continue beyond the resolution of your legal case. To receive compensation for your medical bills after an auto accident, you may need to negotiate directly for reasonable payment for the claim. If the driver or their insurance company decides that they are not going to pay you for your damages, you can make a formal legal claim. If it is the other driver’s insurance company that doesn’t want to pay you, you have the right to file a claim against the insurance company. Lastly, if your own insurance company doesn’t pay, that is according to the terms of your policy, you could name your own insurance company in the case.

At OKC Spine and Injury Relief Center, we believe that visiting a chiropractor after a car accident is one of the best decisions to make to yourself, both physically and financially. You not only receive a pain-relieving treatment that is better for you overall, but we will be able to give with the documentation that will help you be less stressed, especially when you know that your medical bills are paid for reasonably. At OKC Spine and Injury Relief Center, we have helped hundreds of victims of car crashes heal from their injuries. We are properly trained and have the necessary experience to give you the best chiropractic treatment –helping you avoid long-term pain and stimulating your body’s natural method of healing.

We are also always adamant about making sure our patients get the best treatment they can for their injuries. Sometimes that means that we aren’t the best option for them. In these cases, we recommend them to an orthopedic MD, neurologist MD, MRI, or pain management MD.

Don’t become a victim to your pain – call us today at (405) 400-1050.