If you get injured due to someone else’s negligent conduct, you are entitled to seek compensation for your losses. However, the procedure of filing a claim and seeking reimbursement for your damages is time-consuming. The victims of accidents often find themselves in a confused state regarding the payment of their hospital bills as their settlement process is going on. Make sure to get in touch with a personal injury lawyer to discuss your legal options available, and follow the tips below:
- Use your car insurance policy.
Many states allow Medical payment (MedPay) insurance coverage to help the victims of car accidents pay medical charges while their case verdicts or settlements are under process.
If you are not covered with health insurance or think that the coverage may not be sufficient for your hospital bills, you should consider buying MedPay insurance. The treatment charges of car accident injuries are financially burdening. This insurance will help you make timely payments without damaging your credit score.
- Paying it with the help of Health Insurance
Using health insurance is another good option for paying your medical costs while waiting for the outcome of your injury claim. This is used by drivers for payment often if they do not have MedPay or the means to pay it out of pocket.
However, your health insurance company will try to reimburse all the costs paid for your medical charges from the at-fault driver’s insurance company. This is known as subrogation, and it will affect your claim amount. The amount paid by your health insurance company will be deducted from the compensation you will receive after trial or claim settlement.
You can try negotiating for a lower payback amount so that you get more proportion of the compensation recovered from the claim.
- Try to get a payment agreement with your medical provider.
If you do not have MedPay or health insurance, hire an attorney and ask them to find doctors or health professionals that will treat you on a contingency basis. The lawyer can negotiate with the hospital or doctors on your behalf to pay the charges after your claim settlement or final verdict. You can pay their bills after you receive the compensation.
- Other Options
Sometimes, you can pay your charges for medical treatment with the help of Medicaid, Medicare, or Veteran Affairs Benefits. You can also ask your loved ones or family members to help you pay the charges. You can return the money after getting the compensation amount.