Anyone who has ever been treated in a hospital, who has had surgery or who has had to undergo any kind of recovery from an injury understands that the financial burden can be heavy. Even with medical insurance, you could get a bill that reaches into the thousands or tens of thousands of dollars. Many people can’t afford these costs, which can lead to further financial burdens. If you’ve been injured in a car accident due to someone else’s negligence or disregard, an experienced injury attorney can help you meet these financial obligations. It’s also important to involve insurance companies.
Work With Your Insurance Provider
As soon as possible after a car accident, you should contact your auto insurance company and give the representative details about the incident. Provide your insurance agent with details about any injuries you or passengers suffered in the accident. This puts these injuries on record from the outset of your claim. Your next step should be to visit the appropriate medical provider, including chiropractors. Then, inform your auto insurance agent about these visits and treatments you are getting. From here, the medical professional and your auto insurance company should work hand in hand in coordinating the care and payments. Your policy should have something called personal injury protection, which will cover medical bills up to a certain amount per family member.
Work With the Other Person’s Insurance Company
If you weren’t at fault for the accident, make sure you get the other party’s insurance information as well. Contact this provider as well and relay the same information that you gave your insurance company. Once your auto insurance provider has paid the maximum allowed in the policy, the other person’s insurance should pick up remaining amounts. You may even be able to get paid for time and inconvenience or for pain and suffering.
Hire an Attorney
It’s advisable to retain legal counsel after your car accident as well. A skilled lawyer has experience working with car insurance companies in matters such as yours. Your lawyer will make sure both insurance companies pay what they’re supposed to and to do so in a timely manner. Sometimes, an insurance company may deny its responsibility to pay and may even refuse to cover some services. Your lawyer will be your advocate to make sure you aren’t left with anything to pay.
If you work directly with car insurance companies and hire an injury lawyer, you shouldn’t have to worry about covering large medical bills. This will give you peace of mind and confidence as you recover from your recent car accident.