Does Health Insurance Cover Injuries from a Car Accident?

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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.

Medical Care After a Car Wreck

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Been in an Accident? Next Steps for Your Medical Care.

We have clients who have been involved in an accident, whether a car wreck, slip and fall, dog bite, or other injury, and they often ask what they should do about medical care, and whether it will hurt or help their court case. Our answer is always the same:  you and your healthcare providers should make your medical care decisions based purely on what’s best for your health.  No claim or lawsuit should ever affect your medical care decision-making.

Many also have questions about what to do immediately after an accident.  Here are some frequently asked questions and our typical responses. However, remember that each case is unique, and our lawyers can help you navigate your individual circumstances. Call us today at (901) 372-5003.

Should I seek immediate treatment for injuries after a car wreck?

Yes.  It is best to seek prompt medical care so that your injuries can be properly evaluated by trained medical personnel.  According to DMV.org, it’s important to understand that you may have an injury, even if you aren’t totally sure. Many insurance adjusters will hold delays in medical treatment against you, even assuming you were merely trying to do the right thing by taking a conservative, wait-and-see approach.

What if I’m concerned about the cost of medical care?

If you were injured in a car wreck, you may (and should) rely on your health insurance to cover your treatment. If not, but you have automobile insurance, your policy probably contains Medical Payment Coverage up to a certain amount, and so you may be able to recover some of your medical expenses from your own insurance company.  Depending on what happened to you and whether someone else is responsible, you may be also able to recover your medical expenses from someone else’s liability insurance company.

What else should I do after an accident if I think I might have a claim?

If you are able, get the contact information of any eyewitnesses. Get a copy of the Police Report. Take photos of your injuries. If you’ve been in a car accident, take photos of your car and the scene, if possible. If you are involved in a slip and fall or some other type of accident, take photos of the scene of the accident and its condition at the time of your injury. Keep a list of the medical providers you see, and the limitations and pain you suffer. Claims and lawsuits can sometimes take months to resolve, and you will be surprised at how memories fade.  Make a list of any prescription medications or other medicines that you have to take because of the accident, and keep records of the costs. Document any other expenses you incur because of the accident.

What if I have to miss work?

You may be entitled to recover for lost wages. Obtain written documentation from your employer of the days, hours, and wages you missed because of the accident.

Frequently Asked Questions

You can find answers to more Frequently Asked Questions on our website by clicking here.

 

WISEMAN BRAY PLLC

8001 Centerview Parkway, Suite 103

Memphis, Tennessee 38018

(901) 372-5003 Office

www.WisemanBray.com