Medical bills can be expensive for people who have suffered severe injuries in a car accident. Many people find themselves in a financial crisis trying to cover their medical bills while dealing with lost wages and waiting on a settlement. There are some ways around this that may help. Consider talking with an experienced Tampa personal injury lawyer if you suffered injuries from a major car accident.
Ways to Cover Medical Bills While Waiting
There are steps that can be taken to manage medical bills while waiting for a car accident settlement. Many car accident claims take time, as the auto insurance company investigates both sides of the accident. Waiting may not always be an option when bills are due sooner than later.
Communicating with your doctor about the fact that your injuries were caused by another driver, and you are pursuing a settlement can help. Talking with the hospital or bill collector to explain this situation can be helpful too. Sometimes bill collectors will make a deal, delay medical bill payments, or lower the cost.
Payment plans are another option when medical bills cannot be paid right away. These plans can break down the overwhelming medical debt into reasonable monthly payments. There is usually no interest rate either. The main downside is the consequences of missing a monthly payment.
Missing a payment might lead to financial issues or cancellation of the payment plan. This could bring someone back to the same problematic situation faced in the beginning.
Check Your Auto Insurance Coverage
Checking what coverage your auto insurance company offers for medical bills can also be helpful. Some auto insurance policies cover medical expenses regardless of who was at fault. This coverage could be used to cover medical costs before the settlement is finalized. The main types of auto insurance medical coverage plans are:
- Medical payments coverage
- Personal injury protection
- Bodily injury coverage
Medical payments coverage is the type of policy that covers medical costs regardless of who was at fault. However, the amount of coverage is limited. Personal injury protection coverage is required in no-fault states like Florida. You can use medical payments coverage if your personal injury protection coverage is not enough to cover all your medical bills.
Bodily injury coverage does not cover your medical bills but the medical bills of the other driver. Other than these different types of insurance coverage, you also have the option to sue for compensation if the settlement is not enough and you have severe injuries.
Try contacting a Tampa car accident lawyer to learn more. A lawyer will know what your options are for additional compensation in a no-fault state.
Tampa Car Accident Lawyer
Paying for medical bills can drain your finances while waiting on the auto insurance settlement. All you have to do is contact the Rebein Law Firm by dialing (813) 305-7285 to speak with a Florida auto accident attorney for a free consultation today. Our legal team might be able to increase your chances of significant compensation for your medical costs, pain and suffering, and lost wages. We serve clients throughout the Florida cities of Tampa, Hillsborough, Pinellas, Sarasota, Manatee, Pasco, and Polk County.