If Iím in a Car Wreck, How can I pay my medical bills?
Were you hurt in a car wreck and don't know where to start or how to get your medical bills paid. This article was written to give people involved in automobile accidents an idea of their options to recover their medical expenses.† It also is here to educate people on the typical types of coverage available in personal injury matters.
Millions of automobile accidents happen each year. Each automobile accident of course involves unique circumstances and must be dealt with accordingly. The vast majority of automobile accidents in America today are caused by someone failing to stop and as a result rear-ending another driver.
In your typical run of the mill rear-end collision 90% of the time the person that rear-ended the vehicle will be held at fault. This usually involves a citation for following too close or for failure to control your vehicle.
In this scenario you can recover from the insurance of the driver that rear-ended your vehicle. This is sometimes a very daunting task and using a Personal Injury Attorney can be very helpful. In the unfortunate and increasingly common event that the driver does not have insurance you have two methods of recovery available.
The first and best option to recover for the cost to repair your vehicle and for your medical expenses is to claim on your own uninsured motorist coverage. If you carry full coverage insurance it is very likely that you already have this coverage, if not it can usually be added for a nominal monthly fee.
In some jurisdictions there is also coverage referred to as PIP or Personal Injury Protection. Personal injury protection will compensate you for your medical expenses regardless of whether the other driver has insurance. Personal injury protection can also be used to pay any other expenses that might have occurred due to the accident, not just medical. In some jurisdictions there is what is called med pay, which pays a portion of your medical expenses directly to your medical providers.
If all insurance related options are exhausted, then you may try to collect from the driver individually by filing a lawsuit. If you have a good cause of action you will typically win a lawsuit and receive a judgment against the driver. However, if the driver was not carrying insurance or could not afford to carry insurance then you will be hard pressed to collect anything from them.
In most states the judgment that you obtain will be good for a period of ten years and can be renewed at the end of that period for a nominal fee.† The fact that you are holding a judgment does not guarantee that you will every receive anything. It is simply an IOU from the individual that injured you and damaged your property.
The best and most effective thing that you can do to avoid having this happen to you are to make sure that your policy covers you in the event that a uninsured person decides to act in a careless or negligent manner.
If you have any further questions contact The Law office of Albert Lee Giddens at www.albertleegiddens.com
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ABOUT THE AUTHOR
I have based this article on my work in the legal field and my legal education.