Does Health Insurance Cover Injuries from a Car Accident?

insurance personal injury lawyer

Health Insurance vs. Car Insurance

Almost every state in this country requires a motor vehicle driver to carry insurance, except for New Hampshire and Virginia. Whenever you need to go to the hospital, you expect to utilize the services you pay for to cover your care. But what happens when you seek medical treatment as a result of a car accident? Does your medical insurance still cover this bill, or do you turn to your car insurance for assistance?

Which Insurance Company Covers the Bills?

This question is really quite detailed, and many factors come into play. In most cases, whoever is at fault is responsible for the medical bills. If someone else hits you and is cited for the accident, it is their insurance that is responsible for paying your medical bills. Now, let us suppose that you are hit by someone who did not have insurance coverage.

Uninsured/Underinsured Motorists

For situations where the at-fault party has little to no coverage, carrying an insurance policy known as uninsured or underinsured motorists coverage can help alleviate the stress of mounting medical bills. This coverage can allow your motor vehicle insurance to cover the medical portion of whatever the at-fault drivers could not. This can be especially important if injuries have lasting or permanent effects.

Initial Medical Costs Are Not Always Final

When it comes to a car accident and medical costs, the initial costs of treatment may not be the final total on care. Oftentimes, people do not realize how severely injured they are until days or even weeks after the incident.

Furthermore, if you have had to take time off of work due to your injuries, or have a possibly disabling condition; you may be entitled to further compensation for those damages as well. A DC car accident lawyer can stand beside you and fight for a compensation package that may be able to better recuperate damages you’ve suffered.

Why You May Need an Attorney

An insurance company wants to settle the claim as quickly and as quietly as possible. They do not want to go to court, and do not want to pay a dime more than they have to. Your best interest is not their priority; their main focus is to protect their bottom line. An attorney may be able to help combat attempts to settle your claim with a low-ball offer, expedite the settlement award process, and offer peace of mind by professionally managing all of the complexities of your case.

A top attorney should be able to examine your potential case and determine the path to compensation. They may also be able to assist in determining who is responsible for the medical bills based on your unique situation. There are always loopholes and all sorts of red tape when it comes to an auto accident; which is why having a legal adviser can be so beneficial.

Do you need a Personal Injury Lawyer?

Please call Wiseman Bray PLLC for a free consultation at 901-372-5003. We are personal injury lawyers in Memphis and Nashville and have extensive experience handling car accident cases. Tell us about your car accident case and let us help you. Sign up for email notifications of our blog post!

 

Thanks to our friends and contributors at Cohen & Cohen, P.C. for their additional insight into car accident and personal injury practice.

Partially at Fault in a Car Wreck in Tennessee?

partially at fault, car wreck lawyer in memphisLaw FAQ: I was in a car wreck in Tennessee, and I may be partially at fault. Do I still have a legal claim?

ANSWER:   Maybe.

You can take comfort in the fact that “slam dunk” cases rarely exist.  There are 2 sides to almost every story.  Indeed, real life is never quite so neat and tidy.  Many car crashes are the result of a number of related factors, circumstances and events on both sides that – when combined together – cause accidents to occur.

For example, someone might have run a red light and pulled out in front of you; however, you might have contributed to the problem by speeding, or not wearing your seat belt, or not paying as close attention to the road as perhaps you should have been.  Thus, while you didn’t necessarily cause the wreck, you may be wondering whether your own speed or inattention may have increased the amount of damage or injury caused.

And so the question is: do you still have a legal claim for your car accident or personal injury?

Well, the answer is: it depends.  Many people are partially at fault and some of them are still able to recover damages in a car wreck case.

Doctrine of Comparative Fault

Under Tennessee law, a defendant in a car wreck case is entitled to point the finger at another person (or multiple persons), including the plaintiff.  In other words, a defendant can ask a jury to assign fault for an accident, either in whole or in part, to someone else.  Legally, this is referred to as the “doctrine of comparative fault” – i.e. the jury is asked to literally compare the fault of the parties.

In practice, this means that the jury will listen to all of the competing evidence and then assign a percentage of fault or negligence to each person alleged to have contributed to the accident.   The total of the percentages must add up to 100%.  The jury is then asked to affix the amount of total damages suffered/incurred.

These fault allocations and damage findings determine whether, and to what extent, a plaintiff is entitled to recover.  Specifically, the damages recoverable by the plaintiff are based on the percentage of fault assigned to the defendant.

  • Example: If the jury finds that there were total damages of $100, and the defendant is assigned 75% of the fault compared to only 25% fault for the plaintiff, then the plaintiff would recover $75 (75% x $100).  The plaintiff wouldn’t be entitled to recover the percentage of damage that he himself caused.

Modified Comparative Fault

Note also that Tennessee follows the doctrine of modified comparative fault.  This means that if the plaintiff is found to be  50% at fault for an accident, then he or she is prohibited from recovering any damages at all. So, even if you are partially at fault for an accident, as long as you’re not 50% at fault, you can still recover.

  • Example:  Using the scenario above involving damages of $100, if the jury were to find the plaintiff and defendant equally at fault (50/50), then the plaintiff would recover $0.

Pure Comparative Fault in Other States

By comparison, some states like Mississippi utilize the doctrine of pure comparative fault, which means that the plaintiff can recover for any fault of the defendant, even a mere 1%.

  • Example:  Using the scenario above, if the car wreck  occurred in Mississippi and the defendant was 1% at fault, then the plaintiff would be able to recover $1, even though the plaintiff was 99% at fault.

Partially at Fault But Think the Other Driver was Responsible?

Each case is unique. It sounds cliche, but it’s the truth. At Wiseman Bray PLLC, we will look at your case and advise you on the best way to proceed. If you have a question involving a  car or trucking accident or a wreck involving serious personal injury, please feel free to call our office at (901) 372-5003 for a FREE consultation.

We Represent Victims of Car Wrecks.

Visit our website to learn more about our work for car accident victims. You can meet our team by clicking here.

Car Wreck Case- What is negligence by the other driver?

car wreck case lawyer in memphisIn a car wreck case, or any other case, “negligence” is the legal term for failing to exercise reasonable care and caution under a given set of circumstances.  It is commonly referred to as “the ordinary, reasonable person” standard.  Legal liability is assessed when a person fails to follow society’s most basic “rules of the road” so to speak.

Examples of negligence

Some examples of negligence might include:

  • Running a red light and causing a car wreck.
  • A hurried doctor who fails to follow correct protocol and thus fails to diagnose a curable disease.
  • A nurse who fails to check the medical chart and who then dispenses the wrong medication.
  • A store owner who fails to mop up a known puddle on the floor.
  • A pharmacist who dispenses the wrong dosage of medication.
  • A contractor who fails to adhere to building plans or skirts building codes.
  • A child care center that fails to conduct background checks before hiring employees to care for children unsupervised.
  • A lawyer who fails to file his client’s lawsuit before the statute of limitations expires.

Elements of Negligence in a Car Wreck Case

In a negligence case, a plaintiff is required to prove five elements:

  1. that a duty of care was owed by the defendant;
  2. that the defendant failed to live up to that duty (i.e. referred to as a “breach of duty”);
  3. that an injury or loss occurred;
  4. that the breach of duty actually caused the injury or loss; and,
  5. proximate or legal cause.

Would you like to talk with a Car Wreck Case Lawyer?

Please call our office at 901-372-5003 to speak with one of our experienced car wreck case lawyers. We would be honored to represent you.

Visit our website to learn more about the work we do representing victims of car accidents.  We even have a “Frequently Asked Questions About Car Accidents” page you can visit to get answers to your basic questions.

 

WISEMAN BRAY PLLC

8001 Centerview Parkway, Suite 103

Memphis, Tennessee 38018

(901) 372-5003 Office

(901) 383-6599 Fax