If you sustain injuries during a car crash caused by a negligent driver, the first thing you should do is visit a doctor for treatment. However, after you see the doctor, the medical bills will start coming. You will be billed by the ambulance service, ER doctor, and radiology department. In case you were seriously hurt, there will be additional tests, follow-up visits, and medication to pay for.
Most car crashes are traumatizing, and you have to deal with the stress that comes with filing a claim. After a car crash, you don't want to worry about accumulating medical bills. Most car accident claims take months or years to settle. Fortunately, there are alternatives. Continue reading and learn more about how you can pay for treatment after an accident.
1. Use Your No-Fault Insurance
The first thing you should use in a no-fault state is your PIP or Personal Injury Protection cover. The basic PIP covers both medical bills and lost income. However, before you can use other alternatives, you will have first to deplete this coverage.
2. Use Your Health Insurance
Insurance is another excellent option that will help you pay for your medical bills as you wait for fair compensation. Your insurer will cover your medical bills up to the maximum allowed amount. However, you will be required to pay deductibles and copays.
3. Negotiate a Payment Plan
Most hospitals will agree to a payment plan if you're unable to pay the total amount right away. Other healthcare providers will accept a lower amount if you make a lump-sum payment or agree to small monthly payments.
Only commit to affordable monthly payments. If you miss a single monthly payment, the doctor may demand the rest of the bill. If you're in such a situation, your vehicle accident attorney may send a letter to the hospital asking them to wait for the negligent party to compensate you.
4. Sign a Promise-to-Pay Letter
A doctor can agree to treat you even without payment, as long as you will pay when you get compensated. However, they'll only treat you after you sign a promise-to-pay letter.
If you have been hurt in a car accident, don't wait for the bills to accrue for you to take action. When the negligence of another person leaves you with injuries, you should be compensated. A vehicle accident lawyer will help you sue the negligent party and get reimbursed.Share