Re-paying Medical and Legal Debt from an Accident
One of the most frightening and potentially most devastating aspects of a car accident / motor vehicle accident / truck accident is the medical and legal debt incurred by the parties involved, particularly if there are serious or life-threatening injuries. Medical debt can quickly spiral out of control in the United States, given that more people than ever before are without employer-based health insurance. Legal debt may not even register on the radar for many members of the public, but it is all-too-real for those who find themselves at fault for a car accident. An expert personal injury lawyer / personal injury attorney may be necessary.
What can individuals do if this is the case? Who will pay the bills? First, take stock of any injuries: are you experiencing back pain or other quality-of-life changes as a direct result of the car accident? If you are not experiencing back pain but are at-fault for the accident, what kinds of injuries has the other person sustained? Most law professionals agree that at this point, it’s best to consult a personal injury lawyer to minimize your chances of long-term financial obligation as a result of the accident. Personal injury lawyers will also likely be able to discuss in detail certain aspects of your car insurance policy that deal with payment of legal and medical fees after a car accident. That said, you should still read over your car insurance policy very carefully, particularly the sections dealing with accident compensation and legal claims filed against you by other parties. Knowing the gaps in your coverage will help you be better prepared to deal with repayment of legal debt.
For example, some states are “no fault” states when it comes to car accidents, meaning that the car insurance company will likely pay a substantial portion (and possibly all) medical bills incurred. Usually, however, the “no fault” limit is around $10,000, so hospital bills beyond that will need to be compensated for by the individual. Knowing the ins and outs of your company’s insurance policies will help you decide if you need additional coverage. Other insurance policies and additional coverage may cost more in the short-term, but if you have a high-risk job or do a lot of driving on high-risk roads, additional car insurance may make a lot of sense. This is yet another arena where a personal injury lawyer could be very helpful.
Patients with lingering or chronic back pain or other medical issues may complicate the issue further, necessitating additional medical consultation. Your car insurance policy likely has financial and chronological limits for your coverage. Your state may also NOT be a “no fault” state, meaning that in some cases all parties involved are responsible for their own medical and legal bills.
Physician experts at the Kraus Back and Neck Institute (KBNI) in Houston, TX, have significant experience and expertise in working with patients who have suffered motor vehicle accidents or truck accidents. Many of these patients will need complex medical care, and many will need to also see a personal injury attorney. After an injury, many patients may be confused as to what to do next, and how to straighten out their situations.
The Kraus Back and Neck Institute (KBNI) in Houston TX takes care of patients in Houston and the surrounding areas, including Sugarland, Woodlands, Katy, Spring, Sealy, Baytown, Pearland, Beaumont, Galleria, Conroe, Humble, Kingwood, Port Arthur, Galveston, Texas Medical Center (TMC) and other Texas TX cities including Dallas, Fort Worth, San Antonio and Austin
If you have SUFFERED AN INJURY, you can contact the Kraus Back and Neck Institute at
……. Or visit www.SpineHealth.com to schedule an appointment online
……. KBNI VIDEO
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