Personal Injury Lawyer
When you are injured in an accident, the impact it can have on your overall life can be overwhelming. Not only are you forced to deal with the physical pain and limits the injury has on your life, but you may also be facing significant financial strain. One moment life is normal and the next, you are in a hospital, facing surgery, rehabilitation, and months of recovery, leaving you unable to work or earn an income. If you find yourself in this situation, Tennessee law allows victims to recover financial compensation from the at-fault party who caused the accident. A personal injury lawyer Memphis, TN residents recommend, can help you pursue those damages.
Who Pays My Medical Bills?
After an accident, it is important to report the incident to your own insurance company, even if the crash was the other driver’s fault. Do not speak with anyone from the other driver’s insurance company when they contact you. And they will contact you – probably within 24 hours of the accident. Any conversation you would have with them would be recorded. And insurance adjusters are trained in manipulating conversations in order to get victims to say something that can be used as evidence to point the blame on the victim instead of the at-fault driver in order to deny the claim.
Victims who are facing high medical bills have few options when it comes to paying these expenses:
- Submit your bills to your health insurance company. Depending on your health insurance plan, a portion of your medical treatment may be paid directly to the doctor, decreasing or eliminating your out-of-pocket expense.
- Use your car insurance’s medical rider if you have it. When you purchase insurance, you may have the choice of adding extra coverage to pay your medical bills. While you may also have health insurance, this portion of the auto policy pays the part of the bill not covered by your medical insurance.
- Pay all your bills and wait for the other driver’s insurance to reimburse you.
Although your insurance company will initiate communication with the other driver’s insurance company, you should still contact a Memphis, TN personal injury lawyer in order to make sure you are protected, and you end up with the full financial compensation you will be entitled to under the law. Your medical bills will be piling up and your insurance company will not be in a hurry to pay out money either, instead, attempting to get the other driver’s insurance company to pay.
In the meantime, your medical providers will want to know how they will get paid. Your lawyer will not only file the appropriate documents to get your medical bills paid, but they will also help you notify your medical providers of the pending legal actions. If the medical providers have already turned bills over to a collection company, your lawyer can work out an agreement that they will wait until your case is resolved either through settlement or litigation before taking any further collection action against you.
If you have been injured in an accident, call Darrell Castle & Associates, PLLC to meet with a Memphis, TN personal injury lawyer to find out how you can get financial compensation for your medical bills and other losses you have suffered.