Getting involved in an accident that results in an injury can be traumatizing. Apart from the physical damage, there is also the weight of medical bills that you have to settle. When you have a personal injury claim in New York, the compensation could come in handy, but it takes time to resolve a case. So, how do you ensure medical bills don’t pile up as you wait for the settlement?
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Seek Medical Attention Immediately
The first thing you need to do is seek medical attention as soon as possible. Not only does this ensure that you get the necessary medical care, but it also helps in documenting your injuries. This documentation is essential in proving your case during settlement negotiations or trial.
Inform Your Medical Provider of the Pending Claim
Once you get treatment, inform the medical provider that there is a pending personal injury claim. This will ensure that they bill the insurance firm of the at-fault party. However, if you are using your health insurance, it’s advisable to inform them that the injuries resulted from an accident. Some health insurance firms will require a lien on your settlement to cover the payments they made.
Using Medical Payment Coverage
If you have medical payment coverage also known as MedPay, it can help offset the medical bills. MedPay is an optional coverage that is included in insurance policies in some states. It pays for medical costs for you and your passengers regardless of who was at fault. Although MedPay has limits, it can go a long way in settling bills as you wait for the resolution of the personal injury claim.
Negotiate Montly Payment Arrangements with Medical Providers
In case the medical bills are too high, and you are unable to pay, it’s advisable to talk to the medical providers. Explain the situation to them and request to make monthly payments until you receive the personal injury settlement. Some providers may be accommodating and agree to a payment plan that suits you.
Contact a Personal Injury Attorney
It’s essential to hire a personal injury attorney who will help in resolving the case efficiently. The attorney will negotiate with insurance adjusters on your behalf and ensure that you receive an adequate settlement. In the meantime, the attorney can help you reach out to medical providers and wholesalers to ensure that the medical costs are recorded.
File a Claim with Your Own Insurance Company
In some instances, it may be necessary to file a claim with your insurance company. If you have medical payment coverage or personal injury protection coverage, your insurance firm will cover some of the medical expenses. Depending on the insurance policy, they will later seek reimbursement from the at-fault party’s insurance company.
Bottom Line
Sustaining an injury can affect your health, financial status, and emotional well-being. While waiting for the resolution of your personal injury claim, it’s vital to take the necessary steps to ensure that medical expenses are catered for. Talk to a personal injury attorney, communicate with medical providers, file claims with your insurance firm, and use available medical coverages to ensure that medical bills are paid. With these steps, you can focus on your recovery and stand a better chance of receiving a fair settlement.