If you have recently been involved in a car accident and needed medical attention, chances are, you can get help paying your medical bills. Depending on the circumstances surrounding the accident, there are different avenues you can pursue for help with your medical bills.
An Accident Caused By Another Motorist With Insurance
If you were not at fault for the accident, and another motorist was ruled at fault for the accident, then their insurance company is required to pay your medical bills. Their liability coverage will cover any claims you make against them.
You will need to submit your medical claim through their insurance company. You will have to work with an adjustor, who will determine how much compensation you will receive for your medical bills.
An Accident Caused By An Motorist Who Is Uninsured
If you were hit by another motorist who does not have insurance, you can pursue help with your medical bills through your own insurance company if you have uninsured motorist coverage.
Uninsured motorist coverage steps up when the motorist who hit you is driving without insurance, or is driving without the full coverage limits required by your state. In that case, you will work with your own insurance company in order to receive medical reimbursements.
An Accident Where You Were At Fault
Just because you caused an accident does not mean you will not get help with your medical bills. Your health insurance, if you have any, will help cover your expenses.
If you pay for medical payment coverage under your auto insurance policy, your car insurance company will assist you with your bills. Generally, they will help pay for your bills up to the coverage amount dictated in your policy.
Getting Help With The Process
If you sustained substantial injuries in a car accident, it can be a lot of work to navigate through the medical reimbursement process. Regardless of if the other motorist was at fault, or if you were at fault, you are going to have to deal extensively with a claims adjustor for your, or the other motorists, insurance company.
It is important to keep in mind that the adjustor works for the insurance company, and there overall goals are to keep down costs. They may offer you resistance, and require that you produce a copious amount of documents related to your medical expenses.
If you are feeling stressed out by the reimbursement process, or just want some help, the best way to do that is by hiring a car accident attorney. Unlike the claims adjustor you will be working with, they will be watching out for you. They can help you figure out what avenue you need to pursue for medical reimbursements, and can act as a liaison between you and the insurance adjustor assigned to your case.
Contact a car accident lawyer, like http://www.davidharrislaw.com, today and see how they can assist you with receiving the medical reimbursements that you deserve.
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