Paying Your Medical Bills After a Car Crash
You will not be able to get insurance compensation until your car insurance claim is concluded. So, you must figure out how to pay those hefty medical bills while you are waiting for your lawyer to obtain the settlement you need and deserve.
The dedicated Phoenix car accident lawyers at the Phillips Law Group understand how daunting this process can be when you are facing exorbitant medical bills and other unexpected expenses after a collision. We can describe some options that may be available to you and can discuss how we can help during a complimentary case consultation.
If you have health insurance available from an employer or your own private plan, you can submit your medical bills to your insurance provider for payment. The health provider will then submit the bill to your health insurance provider while requiring you to pay any necessary copays.
You may also be required to meet a deductible before you are able to get the insurance carrier to cover expenses. For example, you might be responsible for the first $5,000 and then the insurance carrier covers the excess (depending on your insurance contract). The payments the insurance carrier provides on your behalf and the services it pays for depend on the terms of your insurance policy or health plan.
Private health insurers will usually have subrogation rights that allow them to claim reimbursement against a settlement or judgment you are awarded from the defendant or his or her auto insurance carrier. This means that the insurance may initially cover the bill, but if you do successfully recover money from the defendant, you may be required to repay the provider. The medical provider can demand repayment for all or part of what you paid on its behalf.
Public Health Plans
Your Medicaid or Medicare coverage may also be available to initially pay your medical bills stemming from an accident. Like with private health insurance, the public health plan may have a subrogation process in place so that any funds it pays on your behalf are repaid from any settlement or award you receive.
Medical Payment Coverage
Many insured drivers have medical payments coverage, or med-pay. This coverage provides for payment of medical expenses up to your policy limit. This coverage is available regardless of who was at fault for the accident. These provisions also typically contain subrogation rights.
Agreeing to a Lien
Some medical providers will agree to provide services in exchange for an agreement that they will be paid out of the proceeds from any later personal injury settlement. In this way, you can avoid being charged any upfront fees, which is particularly helpful if you do not have other forms of medical insurance to pay the expenses.
However, you should discuss the possibility of entering into a lien agreement and any negative repercussions before you agree to a lien arrangement.
The Other Driver’s Coverage
Arizona is an “at-fault” insurance state, meaning that the party at fault for the accident is responsible for paying the damages that they cause. Fault is typically determined by seeing which driver violated traffic laws or acted in a careless manner. As such, if the other driver was at fault for the accident, you have the right to file a claim against that driver’s insurance policy.
However, it is not uncommon for the insurance company to deny fault or to claim that you were partially at fault for the accident. Arizona uses a comparative fault approach in cases in which both parties were at fault for the accident.
Under this system, fault is apportioned between the parties. If you were partially at fault for the accident, your award will be reduced proportionately to your percentage of fault. Additionally, the insurance carrier may try to challenge the “reasonable value” of the medical services you received in an attempt to deny or minimize the value of your claim.
Contact a Trusted Lawyer for Immediate Help
After an accident, the sooner you get started on your claim, the sooner you can potentially collect a settlement and erase those huge medical bills.
The dedicated Phoenix personal injury lawyers at the Phillips Law Group can handle all legal aspects of your claim so that you can focus on recovering for an injury caused by another party’s negligence. We can handle all communication and negotiations with the insurance providers involved in your case.
Contact us as soon as you can to schedule a free case evaluation. Call 1-800-706-3000 .
Phillips law group has an amazing staff and i recommend them to everyone.
A friend of mine recommended Phillips Law and I’m so grateful, because they were so wonderful, so down to earth, so professional. I felt like they were family.
Phillips Law Group does so much for the community!!! I especially enjoy seeing Juan Roque out there. This gentle giant always has a smile on his face and is a part of a caring and giving team.
If you are in need of legal support for a motor vehicle collision of any kind, I highly recommend going to Phillips Law Group Injury Lawyers. Sean Davis has exemplary knowledge and experience in this field, compassion for his clients, and excellent judgment and communication skills.
Phillips law group is a great firm! Caroline is great.
The lawyers here are of top quality. Especially Trey Dayes, who was always respectful and hard-working.
Two family members were in a bad wreck a couple of years ago, and as a result called Phillips Law to represent them. Montana Thompson was the attorney assigned to the case with the help of Nemo Farr as legal assistant. Mr. Thompson litigated a very generous settlement for both my stepdaughter and her son. Because my grandson is a minor, I decided to act as conservator for him to ensure the settlement was safe and secure. Montana helped with that process, but it was Nemo who went way above and beyond the call in finding a financial institution to use for the restricted account. There were some glitches in that process but Nemo helped navigate them with a calm expertise which belies his age. I would consider them both great representatives of the level of commitment to their clients and assets to their firm.
Although my accident was fortunately not a major one, The Phillips Law Group AZ treated it as such. Their staff, specifically Mr Juan Roque was very professional, courteous and most importantly very informative. Mr Roque's attentive service was phenomenal and I highly recommend this firm!
I would like to thank Vanessa Rodriguez for helping me with my case because I was in total shock about the accident. She had listened to all my concerns and had answered every question I had . She was great !!!
Juan Roque has been integral with my legal needs. Communication has been easy. He conveys information I can easily understand without a lot of "Legal Fluff" jargon. I will certainly do business with Phillips Legal team again and refer them to my friends and family.