A Texas Truck Accident Lawyer Can Advise Regarding Medical Bills And Subrogation Issues
If you or a loved one is involved in a collision with a large truck or tractor-trailer, you may incur serious injuries resulting in costly medical bills. Doctors and hospitals want to get paid for the services they render quickly. They don’t necessarily want to wait until you get money from a far-off settlement for payment. While an experienced truck accident attorney cannot stop the collection of medical bills, they can help advise you on best practices for dealing with these bills while your claim or lawsuit is pending and settlement of subrogation claims by your own insurance company for part of the settlement or judgment proceeds. More on this website
Medical providers don’t care who was at fault.
When you’re not at fault for an accident that caused you or a loved one physical injury, it is natural to think you shouldn’t have to pay those medical bills personally. However, from the perspective of the health care providers and hospitals, they don’t care who was at fault for the accident. Instead, they know that they provided services and medical treatment to you and want to get paid for it. Further, you must keep in mind that when you or your loved one received medical treatment, you agreed, either explicitly in the agreement you signed or implicitly, that you would be responsible for paying for it. Therefore, medical providers will look to you first to pay the bills and not to the person(s) you tell them are at fault. See our Google Screened Profile here
Don’t ignore the medical bills coming in.
Even for those with medical or car insurance, when you have an accident with a truck, there can be a harsh economic impact for the victim, especially in the short term. This is because medical bills begin to arrive much sooner than a settlement or lawsuit can be concluded. Even if you just need to pay deductibles and co-pays, the amounts can add up quite quickly.
Although ultimately, you would like the person at fault to pay these bills, until a settlement or lawsuit is concluded, you need to deal with them yourself, in some form or fashion. What you shouldn’t do is ignore these bills. Dealing with them upfront can save you time and heartache and perhaps even keep your credit score from going plummeting. If you can’t afford to pay everything at once, some medical providers (but not all) will allow you to create payment plans, some of which may even be interest-free. This keeps the medical providers from sending your account to collection, resulting in calls from collection agencies, ruining your credit rating, and lawsuits that can lead to garnishment of your wages or bank accounts.
Suppose your insurance company pays some or all medical bills. You may need to pay them back later if you get a settlement or judgment.
If you’ve got any type of insurance that is paying all or a portion of your medical bills caused by a truck accident, and you get compensated by the party at fault, your insurance company will expect to have the money they paid back to them. This is known as insurance subrogation. An expert truck accident attorney can help you with this complicated area of the law to make sure you don’t run afoul of your own agreement with your insurance company or break the law in regard to any Medicare repayments.
We, focus on representing individuals and their family members in serious personal injury and wrongful death cases, such as those often involved in trucking accidents. If you or a loved one have been in a truck accident, you can contact us for a free consultation to discuss your case.