How to Get Help With Your Hospital Bills After a Car Accident

After being seriously injured in a car accident caused by a negligent driver, your life is instantly turned upside down. Not only are you in pain, you have a lot on your mind, which fills your days with anxiety about all sorts of matters. But how your accident affects your finances should not be one of them. If you are concerned about paying bills, including hospital and medical bills, do your best not to worry. That is because there are options available for recovering compensation for all the damages and losses you’ve incurred after being injured in a motor vehicle accident.

Continue reading to learn how to get started.

Indianapolis Car Accident Lawyers

Indianapolis Car Accident Lawyers 317-881-2700

Hire a Car Accident Lawyer Immediately

Your first step after being injured in a car accident that was not your fault is to hire a licensed personal injury lawyer who specializes in motor vehicle accidents. With their assistance, you can make a claim for compensation. At the appropriate time, they will solicit an offer from the insurance company and negotiate with them until a full and fair settlement offer is made.

If the insurance company will not budge or resolve the case for full and fair compensation, then a more drastic course of action becomes necessary. Most often, a seasoned personal injury lawyer can negotiate a claim and settle out of court, but they will go to trial if the defendant’s insurance carrier makes it necessary.

If you win your case, the jury is allowed to award damages for all medical bills, future medical bills, past and future pain and suffering, compensation for scarring, reduced quality of life, lost wages and more. In certain egregious cases, you may even be able to win punitive damages. See our blog, “A Brief Explanation of Compensatory, Nominal, and Punitive Damages” to learn more about the types of damages in a personal injury case.

If Your Bills Keep Coming

Now that you are out of the hospital and recovering at home, you are likely already receiving hospital and medical bills in the mail. If you have the resources to pay them, do so for now. This would include making sure your medical bills are submitted to whomever your medical bills would normally get submitted to for payment, like Medicare,
Medicaid, and other non-governmental related private health insurance companies.

You may also have what is called medical payments coverage under your own automobile policy which would allow you to submit your medical bills for payment under your own automobile policy. See our blog, “What is MedPay?” to learn more. In addition, if you are injured on the property of a business or home, sometimes the insurance carrier for the business or home owner will have medical payments coverage that can be used to pay your medical bills while you are awaiting a settlement of your case.

Do not stop making payments, or the hospital or doctor might stop treating you. If you are having trouble keeping up with your payments, you may be able to request delayed or reduced payment, but this would require the help of a lawyer. This is just another reason why your first step to getting help with your medical bills is to hire a seasoned personal injury lawyer who specializes in Indiana car accident claims.

Who to Call for Personalized Advice

Personal Injury Lawyers 317-881-2700

Indianapolis Personal Injury Lawyers 317-881-2700

Call The Law office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to make a car accident or slip and fall claim in Indiana. Our seasoned Indianapolis personal injury lawyers are ready and able to recover the full and fair compensation you deserve. Not only does our law firm offer free consultations, we never collect lawyer fees unless we prevail for you. Call 317-881-2700 to schedule an appointment, today.

Optional Driver Insurance Coverage for Accidents and Injuries

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?

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.