How Do I Pay Bills While Waiting on My Settlement?
If you were injured in an accident that was someone else’s fault, you could file a claim with their insurance company to obtain compensation. In Texas, the negligent party can be liable for your medical bills and other expenses.
However, it could take time to recover a settlement to compensate you for your past and future losses. You need immediate treatment and might not be able to afford your bills. When that happens, you have to look for other options to pay your medical costs so you can heal your injuries without paying out of pocket. [firm name] can help you with that – contact us to find out how.
How to Handle Your Bills After an Accident
You might have health insurance that can cover your hospital and medical bills. You might have to pay a deductible or co-pay for every visit. Unfortunately, many people don’t have insurance. If you can’t afford the out-of-pocket costs, you should explore the available options to avoid medical debt.
It’s crucial to hire an experienced personal injury lawyer after an accident. Pursing compensation alone could result in an unfavorable outcome. You must know state laws, deadlines, and procedures for filing insurance claims and lawsuits. Any mistake you make could ruin your chance of receiving the maximum amount of money owed to you.
Your attorney could negotiate an agreement with your healthcare professionals. Many doctors and medical facilities understand that pursuing a settlement from an insurance company is a lengthy process. It could take months or even years for you to receive compensation.
When your lawyer explains your situation to your medical providers, they might be able to place your account on hold. You could sign a letter of protection agreeing to pay a portion of your settlement to your doctors. In the meantime, the letter of protection will prevent your bills from incurring interest or going to collections. You can continue with your treatment without worrying about upfront payment.
Options for Paying Medical Bills
If your injury resulted from a car crash someone else caused, you could file an insurance claim with their auto insurance company. Each time you attend an appointment for treatment, your doctors will submit your bills to the insurance carrier for payment.
State law requires every driver to purchase auto insurance with minimum liability coverage for bodily injury. Bodily injury coverage pays for another person’s medical expenses and other costs incurred from an accident. It can also cover some or all expenses related to vehicle repairs.
The at-fault motorist’s insurance carrier might not accept your claim. They could investigate the crash to determine whether they agree that their policyholder is liable. You might have to turn to your own health insurance company if you can’t get the auto insurer to cover your medical treatment. You could work out an arrangement to repay the cost of services rendered once you receive your liability settlement.
Although the law requires auto insurance, the negligent motorist might not have liability coverage. You could file a claim with your auto insurance carrier to compensate you for your medical costs. Medical Payments (medpay) is a form of optional insurance in Texas. If you included it on your auto policy, you could file a claim for upfront payments for your treatment.
Medpay should pay for some of your medical bills up to your purchased coverage limit. However, it doesn’t cover certain types of treatment. Additionally, the insurance company will likely require you to pay them back if you receive a settlement through a liability claim.
Another available option through your auto insurance carrier is uninsured/underinsured (UM). This type of coverage is also optional in Texas. It pays for medical bills, vehicle repairs, and other expenses if the at-fault driver doesn’t have liability insurance or high enough coverage limits to compensate you for your total costs.
The Benton Law Firm has years of experience representing injured accident victims in Dallas. We believe in fighting for individuals harmed by the negligence of others. We will protect your rights and be the advocate you need to seek the maximum compensation from the insurance company.
When you receive various bills after an accident and worry about how you’re going to pay, you can count on our team to advise you about the possible options. You don’t have to go through this stressful experience alone. We will guide you through the entire process and remain by your side until the end.
If you suffered injuries in a car crash due to someone else’s negligent actions, call The Benton Law Firm at (214) 777-7777 for your free consultation.
Our Dallas personal injury attorneys are available 24/7 to speak with you about your case. Let us help you get on the road to recovery.