Who's paying my medical bills?
This would be a very major and worrying concern for anybody who's involved in a serious car wreck. Questions such as these may run through your mind:
- Who's taking care of my medical bills?
- What happens now since I don't have car insurance?
- What First Party Benefits am I entitled to?
Medical bills have a habit of accumulating fast and car accident victims often find it shocking at how quickly costs multiply and what it takes to have the injuries taken care of. Knowing who's responsible for paying these bills is a step in the right direction.
You might be aware that a lot of car insurance companies pay medical bills even though they are not at fault. In the state of Pennsylvania, there's something known as First Party Benefits entitlement. This means your car insurance is the one taking care of medical bills. The amount you receive squarely depends on the kind of coverage you've opted for. After this amount is exhausted, your health insurance takes over.
There are certainly cases where medical bills are undertaken by the other driver's insurance company. In Pennsylvania though, they are handled this way in practically every situation related to car accidents.
What if I don't own a car but get seriously injured?
In case you're not insured, there are naturally going to be some serious limitations on what kind of compensation you'll receive for medical bills.
People that do find themselves in an accident without car insurance can make use of the Pennsylvania Assigned Claims Plan. However, this plan applies only if you don't own a car. For instance, you get hit by a car as a pedestrian or hurt in a bicycle accident, you can receive coverage from this program up to a certain limit.
How long does the post-accident process usually take?
Every accident case is unique. Somebody else's case may take longer than you might expect or the other way around. Just make sure your lawyer keeps you in on the progress and/or other developments.
What you can do as an accident victim is to file a case at the first possibly opportunity after an accident has occurred. Certain details are directly tied to how long it may take for the case to be concluded:
- The nature or type of the accident
- The exact location
- The kind of insurance the at-fault driver has
- Your injuries and if they would need long term hospitalization or surgery
- Recovery time for injuries or trauma
- Any witnesses that may be willing to come forward
- The amount of evidence at the scene
- The kind of insurance you have
Going through the recovery period, especially when you have a case on your hands can be quite frustrating indeed. Know that when you hire an accident lawyer to work the hoops for you, you can expect them to deal with your medical bills, paperwork, standing up to greedy insurance companies and setting you free of all related worries. After all, you need the bulk of your focus and energy on recovering from the experience.