Medical bills are a common component of almost every personal injury claim, and in most cases, they begin to accrue from day one. However, there is no obvious source of funds for payment.
As the injured party who is receiving treatment, you are ultimately responsible for the bills. One option, if you have medical insurance, is to file a claim with your insurer. You may have to pay out-of-pocket for deductibles and co-pays, but the bulk of cost should be covered. Of course, you can always pay the full bill out-of-pocket, but few people have the resources to cover significant injury costs.
Your personal injury lawyer can assist you in arranging to defer payment until after you receive your settlement. This is the typical procedure in a personal injury claim and involves signing a medical lien or subrogation form which protects the medical provider by ensuring payment.
Even in cases where liability is not in question, the responsible party’s insurance company is not very likely to pay for medical bills as they arise. The primary reason is that insurance adjusters prefer to know the big picture and understand the full value of the claim before they start writing checks. As your injuries heal and you move closer to concluding all the treatment that will provide you with the fullest possible recovery, your lawyer will arrive at a demand amount that will be presented to the insurer for review.
It is important to understand the process of a personal injury claim. Your primary job is to recover; let your counsel handle the legal details. For any personal injury questions or concerns, call McCarthy, Rowden & Baker, Charleston personal injury attorneys, at (800) 373-60050.
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