Medical Bills After an Accident: What Should I Do?
Thousands of car accidents occur each and every day on U.S. roads. An estimated two million people are injured because of car accidents each year according to the National Highway Traffic Safety Administration. Injuries can range from minor scrapes to severe life changing injuries. Medical care has become too expensive for many people, causing them to be less likely to seek help after an accident. A medical bill can be in the thousands quickly, depending on if you are admitted and how long your stay is. While health insurance is required, your plan can dictate specific treatments and might not cover everything the longer you are at the hospital.
Car Insurance Coverage
Most states require their driving residents to have some form of car insurance to cover their costs along with passengers and the other driver. Car insurance does have the potential to cover your medical costs but can take a while to receive the compensation. Many victims aren’t sure what they should do if they cannot afford their medical bills or are waiting on car insurance to offer a payout for your claim. Unfortunately many individuals will have to pay their medical bills out of pocket and get loans while they wait for the legal system to provide them with adequate compensation, if at all.
Compensation for Medical Expenses
An accident can happen when we least expect it. Most people do not have huge savings to pay for a long-term hospital stay. After an accident, you will need to go to the hospital no matter how minor the injuries are. Documenting your injuries is vital to receive compensation for your injuries and property. Keeping a detailed record of hospital expenses including but not limited to the following:
- Emergency room visit
- X-rays and other scans
- Physical therapy
- Hospital Admittance cost
- Ambulance expenses
- Transportation to and from health care provider
If you do find it difficult to pay for your health care costs while waiting for compensation, some health insurance providers have provided the option of putting a hold on your account. Most of these holds will make sure your medical provider doesn’t contact a collections agency if you agree to pay as soon as your insurance claim is settled.
Have you been injured in a car accident in Rhode Island? The car accident lawyers at Rob Levine & Associates have negotiated compensation settlements for countless victims just like you! Call us today.