Tag Archives: medical payments coverage

What to Expect from a Medical Malpractice Lawsuit in Indiana

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If you have been injured due to medical negligence in Indiana, you may be considering filing a medical malpractice lawsuit. Medical malpractice occurs when a health care provider fails to provide proper treatment or advice that results in harm to the patient. If this has happened to you, it is important to know what steps are involved in filing and pursuing a medical malpractice claim.

In this blog post, we will discuss what you can expect from a medical malpractice lawsuit in Indiana. We will cover topics such as the statute of limitations for filing a claim, how liability is determined, and potential damages that can be awarded after your case has been heard by the court. Knowing these details ahead of time can help ensure that your legal rights are protected throughout the process and increase your chances of obtaining full and fair compensation for any injuries sustained due to someone else’s negligence.

Call 317-881-2700 to Speak With a Medical Malpractice Lawyer in Indianapolis.
Call 317-881-2700 to Speak With a Medical Malpractice Lawyer in Indianapolis.

Personal Injury Lawsuit Process for Victims of Medical Malpractice in Indiana

Hiring a Medical Malpractice Attorney

The first step in filing a medical malpractice lawsuit is to retain an experienced personal injury medical malpractice lawyer. Your lawyer will be able to review your case and determine whether or not you have a valid claim against the health care provider or medical facility that you believe was negligent. It is important to note that each state has its own statute of limitations for filing such claims, so it is important that you file as soon as possible after discovering any harm caused by medical negligence. In Indiana, the statute of limitations requires that a medical malpractice lawsuit must be filed within two years of when the incident occurred or two years from when the injury should have reasonably been discovered.

Documenting a Medical Malpractice Case

Once it is determined that you do have a valid claim against the health care provider or medical facility, your lawyer will begin to document your case. This will involve collecting evidence of the negligence and determining who can be held liable for the harm caused. Generally speaking, any health care provider or medical facility that was responsible for providing treatment or advice that resulted in injury is considered negligent and may be held financially responsible for damages resulting from the incident.

Proving Negligence

In addition to establishing liability in a medical malpractice case, personal injury attorneys must also prove that the defendant’s negligence caused you harm. This includes demonstrating that there is a link between the negligent act and the injury sustained by the patient. If liability is established successfully and it is determined that negligence did cause you harm, then you may be entitled to receive compensation for any damages that you incurred as a result of the incident. This may include medical expenses, lost wages, pain and suffering, or even punitive damages if there is evidence that the defendant acted with willful disregard for your safety.

Talk to a Medical Malpractice Lawyer for Personalized Advice

Filing a medical malpractice lawsuit in Indiana can be a complicated process because usually you must go through a  medical panel review process prior to filing a lawsuit but it is important to remember that you do not have to go through it alone. An experienced medical malpractice lawyer can help you understand your legal rights and provide guidance throughout the entire process. If you believe that you were injured due to negligence on the part of a health care provider or medical facility, then do not hesitate to contact an accident attorney in Indianapolis as soon as possible. They can help ensure that your case is handled properly from start to finish and help maximize the amount of compensation that you can receive for any harm caused by medical negligence.

With all the complexities inherent in filing and pursuing a medical malpractice claim, it is important to know what to expect going into it. Contact Craven, Hoover, and Blazek P.C. at 317-881-2700 to schedule a free case evaluation with an experienced medical malpractice lawyer in Indianapolis, Indiana. We provide contingency-fee representation, so you don’t pay anything unless we successfully secure a settlement or verdict on your behalf.

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Frequently Asked Questions About Medical Malpractice Claim

Optional Driver Insurance Coverage for Accidents and Injuries

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Car Accident Attorneys 317-881-2700

Car Accident Attorneys 317-881-2700

Understanding automotive insurance policies can be quite complex. There are several stipulations, clauses, and hidden agenda in many types of insurance agreements. It is important for you, as a driver, to fully understand your motorist insurance coverage so you can know exactly how you are covered in the case of an accident or injury. You can also consult an Indianapolis personal injury law firm for more information about motor vehicle accidents and injury claims.

Continue reading to learn about liability limitations, and the types of motorist insurance coverage everyone should have for added protection on the road and behind the wheel.

Liability Limitations in Insurance Policies

Liability limitations dictate the amount of money that will be available by the insurance company, to compensate a person in the event that you injure them in a motor vehicle accident. These parameters are usually set once a policy is purchased. These limitations will differ from person to person, depending on the type of policy purchased and a person’s individual and driving records. Liability limitations are meant to protect your personal savings, funds, and assets from being liquidated in order to pay compensation to an injured driver after causing a motor vehicle accident.

Car Accident Lawyers 317-881-2700

Car Accident Lawyers 317-881-2700

It is recommended to purchase higher limits if you have several or significant assets to protect. In Indiana, a driver must have the state minimum liability coverage in order to legally operate a vehicle. This minimum is 25/50/10, meaning $25,000 per person (yourself and your vehicle), $50,000 per accident and all injured parties, and $10,000 for property damages per accident. So most policies offer this as standard coverage in their most basic policies.

However, the state minimum is very low; so it is strongly encouraged to add more coverage to your motorist policy. There should be enough coverage to pay for a person’s vehicle damage, bodily injury, and subsequent financial obligations or losses resulting from their injuries; such as lost wages, rehabilitation costs, medical expenses, hospital bills, and more.

Here are the additional types of motor vehicle accident coverage strongly recommended by the state and insurance companies, to further protect yourself and your assets in the case of an accident resulting in injury:

Un-Insured/Under-Insured Motorist Insurance (UM)

Under-insured and un-insured insurance coverage is vital for anyone who drives on a daily basis. In the case that someone negligently causes an accident, and they do not have sufficient or valid insurance, you could be stuck paying for the damages yourself; unless you have this additional coverage. If an un-insured or under-insured driver hits you and causes you injury, this additional coverage will be available to clean up the mess, financially. If a person with not enough insurance coverage causes you $30,000 in hospital bills and vehicular damages, but their policy only covers $25,000, your UM insurance coverage will cover the rest so that you don’t have to pay out of pocket for your expenses. This is very important insurance coverage to have, for yourself and for your family.

Medical Payments Coverage (Medpay)

Medical payments coverage is critical in the case of a serious motor vehicle accident. Although optional, many drivers opt for this additional coverage in order to cover all medical expenses and hospital bills, regardless of who is at-fault. One key benefit to Medpay is that it will pay for your medical expenses while treatment and care is ongoing. This minimizes a person’s out-of-pocket payment obligations, and eliminates the need to wait for reimbursement. Also, your insurance company does not need reimbursement if you are not made whole through the liability settlement. It maximizes a person’s “net” settlement because insurance companies base their offers on total amount of medical bills, not outstanding balances.

Craven, Hoover, and Blazek P.C.

Personal Injury Lawyers

Personal Injury Lawyers 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 for car accident injury claims in Indianapolis, Indiana. Attorneys, Daniel Craven, Ralph Hoover, and Keith Blazek retain extensive trial and litigation experience in personal injury law. Our personal injury law firm offers free initial consultations and never collects lawyer fees unless we win your settlement. Call 317-881-2700 to schedule your consultation for personal injury claims in Indianapolis, IN today.

What is MedPay?

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Every driver needs to have car insurance. But car insurance only covers damages to vehicles, not people. Fortunately, there is an additional type of coverage you can purchase to protect yourself and your passengers. It is called medical payments coverage, or MedPay insurance for short. It is a form of insurance coverage for “Medical Payments to Others”, rather than vehicles. In the case of an auto-related or motor vehicle accident, whether your fault or not, med pay insurance will cover the medical expenses of yourself and your passengers if injured as a result of the accident. Continue reading to learn more about MedPay, how it works, and where to obtain such insurance coverage.

Personal Injury Lawyers 317-881-2700

Personal Injury Lawyers 317-881-2700

Medical Payments Insurance

Any medical costs that results from an auto-related or motor vehicle accident will be paid for by a medical payments insurance policy. It pays for and protects your passengers and yourself, but it does not cover medical expenses for the people in any other vehicles involved. That would require third-party insurance coverage. Medical payments coverage is usually set at a maximum limit of $25,000. All medical costs that exceed a MedPay policy’s limit has to be paid out of pocket, by health insurance, or third-party insurance.

There is a lot of confusion when it comes to understanding MedPay coverage. Many assume it is a type of health insurance, but it is only meant to cover injuries caused by auto-related accidents, and again, only has a $25,000 payout limit. Also, health insurance will only cover your injuries, not the injuries of your passengers. Instead, med pay is more like PIP, or Personal Injury Protection. Although both types of insurance are similar, MedPay differs from PIP because it only covers medical expenses, not lost wages or other damages, like PIP coverage does. We will further discuss PIP coverage in next week’s blog, so stayed tuned!

It is strongly encouraged to purchase MedPay insurance for anyone who regularly carpools as well as, for adolescent drivers. It is a lucrative expense that is well-worth it in the end. Also, medical payments insurance has to be purchased for every single vehicle owned, including motorcycles. So if you only have MedPay insurance for your Jeep, but an accident occurs while driving your Honda, you will not be covered by your MedPay policy. You need to insure all vehicles to be fully-covered. Start by calling your own car insurance provider to inquire about MedPay, but be sure to also shop around for the bet rates. For an affordable cost, you and your passenger’s medical expenses can be covered if ever seriously injured in a motor vehicle accident in your vehicle.

If you or a loved one has been seriously injured in a car accident, contact a licensed personal injury lawyer right away to learn your rights and recover the full and fair compensation you are owed.

Craven, Hoover, and Blazek P.C.

Personal Injury Lawyers Indianapolis, Indiana 317-881-2700

Personal Injury Lawyers Indianapolis, Indiana 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 for information about personal injury car accident claims in Indianapolis, Indiana. Attorneys Keith Blazek, Ralph Hoover, and Daniel Craven have extensive trial and litigation experience in Indiana, and will work hard to recover the compensation you deserve after being seriously injured in a motor vehicle accident. We offer free initial consultations and never collect lawyer fees unless we get you money! Call 317-881-2700 to find a reputable and experienced car accident attorney in Indianapolis, IN and its surrounding counties.