Medical bills after a Louisville car accident can accumulate in a short time. Paying your medical expenses may not be possible if you cannot work or need time off to heal.
You may have to pay medical bills before a car accident case in Louisville settles. However, options may also be available to significantly reduce the financial burdens you face until reaching a settlement or verdict.
A car accident settlement compensates you for the medical bills you incur due to injuries from a car accident. Doctors and medical facilities expect prompt payment for their services. Personal health insurance is an option for paying your medical bills if you have coverage.
PIP insurance coverage may also pay your medical costs. Insurers will likely recover their expenses once a car accident case settles. Opting out of no-fault insurance coverage in Kentucky requires filing a claim with the at-fault driver’s insurance company or filing a car accident lawsuit. Filing a claim may occur even with PIP coverage when injuries meet the Kentucky serious injury threshold.
Discuss how to pay your medical bills from a car accident with our experienced lawyer. A legal advocate working for you may facilitate negotiations with health care providers to postpone payment until a case settles or to reduce your bill, making it easier to cover your costs. A reduction in medical expenses benefits you and the insurance company.
Healthcare providers may place a medical lien on any settlement you receive from a personal injury case. A medical lien can be beneficial if you have no health insurance to cover your expenses before a Louisville car accident settlement or verdict.
Medical liens do have potential negative consequences. Negotiating reduced rates for medical expenses may not be possible if a medical lien is necessary. An unfavorable settlement or verdict in a car accident case can leave you responsible for paying medical liens. If a settlement or verdict does compensate you, it is critical to set aside the funds necessary to pay a medical lien.
After exhausting other insurance coverages, Medicaid and Medicare may cover the costs of medical bills in a car accident. Kentucky Medicaid will then recover expenses paid for a personal injury from a liable third party through Casualty Recovery.
With Medicare, who pays first depends on which insurance provider is your primary coverage. Generally, Medicare is a second payer that covers the costs your primary insurance does not cover.
Covering medical costs from a car accident can be tricky and challenging. How you pay medical bills after an accident can impact any potential reductions in service costs a doctor may agree to, the reimbursement of medical expenses, and other factors that influence your financial recovery.
Adjusters are responsible for focusing on the insurance company’s best interests. Having someone to protect your rights in a car accident case in Louisville may significantly change the outcome in a car accident case and the costs to you.