Car accident victims are often left overwhelmed and confused – wondering who will pay for the mounting medical expenses?
No one expects to be in a car accident and victims are left hurt, overwhelmed, and confused. In addition, victims often must deal with insurance companies, lawyers, and other parties. Many individuals are not aware of their rights after a car accident, especially when it comes to health insurance. If you have been in an accident, settling your car accident claim proves to be a challenge. The defendant’s or your own insurance company may be less than willing to pay for your injuries. It is important for you to be aware of your legal rights.
Who Will Pay My Medical Bills After a Car Accident?
Most victims believe that the driver or party responsible for the accident is required to pay their medical costs. However, the reality is that regardless of fault, you are legally required to pay your own medical bills. However, it is your legal right to hold a negligent individual responsible for their actions and to compel them to pay damages that cover your future medical bills. In the meantime, the doctors and hospitals that provide medical services will consider you legally responsible to pay any medical bills incurred after the crash. (Read more about – Use Your Health Insurance to Cover Your Medical Bills)
What if I Cannot Afford to Pay My Medical Bills?
If you do not have adequate insurance or cannot afford to pay medical bills after an accident, liens and payment plans are ways you may be able to cover the costs. A medical provider can place a hospital lien on your record when they know that your medical bills will be eventually paid through a car accident settlement. The liens will be sent to your lawyer and the lawyer will deduct the cost of these liens from the settlement.
When a Hospital Files a Medical Lien
Hospitals prefer not to bill health insurance companies; instead they prefer being paid directly from settlement funds. Hospitals and health insurance providers have a contractual adjusted amount that is paid for medical services rendered. A car accident settlement allows a hospital to recover the entire amount. For this reason, they prefer being paid directly from a settlement.
A Hospital Lien Is Placed On My Settlement
If you have significant balances for medical expenses after a car accident, talk to a Chicago car crash lawyer who is experienced in handling medical liens. Call Willens Law Offices at (312) 957-4166. We will protect your legal rights and help you recover adequate compensation to cover your medical bills and other costs associated with car accident injuries.