If you are injured in an accident, you may incur significant medical expenses. If another party caused the accident, you may be able to recover compensation for your damages, including medical expenses. However, it may take some time to secure compensation. So, how do you pay your medical expenses in the meantime?
Some medical providers will wait until you recover compensation to be paid, and others will demand immediate payment. You should consult an experienced Oklahoma City personal injury lawyer to guide you and help you recover compensation as quickly as possible.
Medical Providers May File Liens Against Your Settlement
Some medical providers will file a lien against your settlement to help ensure they get paid. If they file a lien, the at-fault party’s insurance company will be notified, so they will be included as a payee on any settlement checks you receive.
Some Medical Providers Require You To Pay Out of Pocket
Other medical providers only treat patients who can pay out of pocket or whose health insurance will pay their fees. Even if you have health insurance, it may not cover all medical expenses, and you may need to pay uncovered costs.
Health Insurance May Cover Some Expenses
Many times, your health insurance provider will pay your medical expenses according to the terms of your policy. You will still pay your deductible and co-pay for all visits and treatments. However, when you recover compensation, you will likely need to reimburse your health insurance company for the expenses it paid on your behalf.
UM/UIM, PIP, and MedPay Insurance Coverage
Oklahoma requires all drivers to carry the following minimum amount of liability insurance:
- $25,000 in bodily injury coverage per person per accident.
- $50,000 in bodily injury coverage for multiple people in an accident.
- $25,000 in property damage per accident.
However, not every driver complies with this mandate. You may be injured by a driver without insurance. Or, the at-fault driver’s coverage limits may be insufficient to cover your damages.
If you have purchased uninsured/underinsured motorist coverage, it can help pay medical expenses when the at-fault driver does not have enough insurance to cover your expenses.
You may also purchase Personal Injury Protection (PIP) and Medical Payments (MedPay) to help cover medical expenses in an accident regardless of who is at fault.
Recoverable Medical Expenses
In a successful personal injury claim, you should be able to recover most medical expenses, including:
- Emergency room visit after the accident.
- Hospital bills.
- Doctor visits.
- Surgery costs.
- Physical therapy.
- Other types of necessary therapy.
- Medical equipment.
- Prescription medications.
- Transportation costs to receive medical treatment.
Why You Should Consult an Experienced Oklahoma City Personal Injury Attorney
An experienced Oklahoma City personal injury attorney can help you understand your rights and obligations regarding medical bills you incur after an accident.
Your attorney can investigate your accident to help prove causation and liability. They can uncover and collect vital evidence to prove your claim. Your OKC slip and fall accident attorney can help establish the existence and value of your current and future damages.
Your attorney can work to reach a fair settlement of your claim as quickly as possible. And if a fair settlement cannot be reached, they can take your case to trial to recover maximum compensation.
Discuss Your Case With a Warhawk Legal Personal Injury Attorney
If you have been injured in an accident caused by another party, you need the assistance of an experienced Oklahoma City accident attorney.
At Warhawk Legal, we will listen to your story, answer your questions, and explain your rights. We can help you determine what insurance coverage may provide coverage for your medical expenses and what your obligations are. And if we represent you, we will fight to recover maximum compensation for you.
Call (405) 294-1243 or complete the short form on our contact page and schedule a free consultation to discuss your case.