One of the things a person should be compensated for when a personal injury occurs is medical expenses that were incurred due to the injury. But what if your medical bills total $100,000 and yet you only pay $10,000 out of pocket due to medical insurance?
This is a tough question because while it may seem the defendant is being rewarded for you having medical insurance, they are only going to be on the hook for what you have to pay out of pocket. But what if you don’t bill your medical insurance or you see a doctor who is out of network to get your injuries cared for?
A recent case shows that you can get your medical bills covered as part of the settlement, even if you decline to use your insurance. So don’t feel obligated to get your injuries cared for in the cheapest way possible if someone else is at fault. At the same time, don’t hold off on using your insurance assuming that you will be compensated. If the court rules against you in such a case (even though there is now a precedent), you could be on the hook for all of those medical bills.
Help When You Have Been Injured in an Accident in California
If you have been injured in an accident of any sort, you need the help of an experienced attorney who can help you to maximize your settlement and receive compensation for your expenses and losses. The personal injury attorneys at Petrov Law Firm proudly serve the residents of San Diego and the surrounding neighborhoods. To contact an attorney today, call 619-344-0360.Read More
California demands that all drivers on the road have a minimum amount of insurance for liability. That liability coverage is to pay for any damage they do as a driver. Unfortunately, the minimum insurance requirements aren’t very high. If a California driver only has the minimum insurance, the policy only covers a maximum of $30,000 for medical bills (half that if only one person is hurt) and just $5,000 for damage to property like your car.
If a driver with minimum insurance is responsible for a serious car accident, the money from the insurance policy can disappear quickly. $5,000 won’t cover much repair work on a car and $15,000 can be used up on medical bills within a few hours of the accident.
Once that money is gone, you will need a lawyer to help you get any more money out of the driver who caused the accident. While some people carry insurance on their own policy to cover for under-insured drivers, most people need a lawyer to recover any money for remaining car repairs and unpaid medical bills.
Although insurance companies are supposed to vigorously defend their clients, doing so can cost the company thousands of dollars. Frequently insurance companies pressure people into taking settlements before a good lawyer can review the case.
If someone hit you in his or her car and didn’t have enough insurance to pay for the damages, contact a personal injury lawyer right away.Read More
When you have a car crash and you are at fault, you absolutely have to call a lawyer. While your insurance company is technically going to represent your interests, the insurance company will always be looking for ways to avoid paying out on the accident. Unless you are a lawyer, don’t try to master the kinds of legal maneuvers that lawyers and insurance companies can make to manipulate a case.
But I thought I had full coverage?
“Full coverage” isn’t an insurance term. It’s a term consumers use, but it doesn’t have any defined meaning inside the insurance industry. Every insurance policy is made up of dozens of options and line items. Very few people tell their insurance agent to activate every option and extend coverages to the max. Those kinds of “full coverage” insurance policies are very expensive.
But I have liability coverage, right?
If you have insurance, you probably have liability coverage. California requires you to carry a minimum of insurance in case the accident is your fault. Unfortunately, that minimum is far below the actual cost of most car accidents. If you only have the minimum liability coverage, you are probably going to spend some of your own hard-earned cash to settle the case.Read More
Generally, insurance companies don’t want you to call a lawyer if there has been a car accident or personal injury accident. Insurance companies are constantly trying to find ways to avoid paying out large settlements. To them, lawyers mean expensive settlements.
Some insurance companies will go as far as to send you a letter explaining how a lawyer will make the settlement process longer and more expensive. In fact, some insurance companies will imply that by contacting a lawyer, you are responsible for the high price of insurance premiums in general.
At the same time, insurance companies are encouraging customers to opt for higher deductibles as this drives down the number of small claims. In other words, insurance companies don’t want to be bothered with your small problems and don’t want you to question how they handle the big problems.
If you are confused or conflicted about contacting a lawyer about a recent car accident or personal injury, take comfort — it won’t cost you a dime for a consultation. In fact, most law firms will take your case on contingency — so they only get paid when you do.
Gathering information is logical first step when confronted with the complex and highly litigious world of accidents and injuries. You are really only at risk of losing out on valuable information.Read More