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How Can Accident Victim Obtain Money For Medical Bills?

The legal system provides an accident victim with the chance to file a personal injury claim. That serves as a way for the same victim to get compensated for any loss. Still, a claimant’s medical bills need to get paid before the delivery of the desired compensation package.

Did the accident take place in a state with a no-fault system?

That system hands to the driver’s insurance company the job of paying an insured driver’s medical bills, up to a stated limit. If the bills exceed that limit, then the policyholder must either use his or her own funds, or count on help from a health insurance company. Alternatively, it could be that either driver has invested in medical payment coverage. If any policy contains that coverage, then that can be a source of money for medical bills. In addition, victims on Medicare or Medicaid can make use of their access to those same services.

Doesn’t the person responsible for the accident have to pay the medical bills?

The defendant, the person held responsible for a given accident does not have to pay each bill as comes into a claimant’s/plaintiff’s hands. The legal system requires that the defendant pay for all of the damages, once a settlement has been agreed to.

Don’t those who were injured in an accident have the right to file a liability claim against the person that caused the same incident?

Whenever accidents take place in a state with a no-fault system, the victim’s medical costs must rise to a certain high level, before the same victim has the right to file a liability claim. Yet, such claims do not offer a total solution; read the following paragraphs.

In all other states, anyone that has filed a personal injury claim does have legal permission to pursue initiation of a lawsuit. In that way, the suing party can claim that the defendant is liable for the costs created by the damage-creating occurrence (accident).

Still, the filing of a lawsuit with the help of a personal injury lawyer in Redondo Beach represents the start of what could be a lengthy process. As the lawsuit progresses, the plaintiff continues to receive various medical bills. Failure to pay the bills reflects on the plaintiff’s credit rating. Creditors do not care whether or not the person that owes them money has fallen on hard times. On the other hand, an insurance company feels that a plaintiff’s level of suffering gets diminished if the medical bills have been paid, prior to issuance of a compensation package.

How do insurers learn how plaintiffs have handled their bill from a doctor or other medical facility? Insurance companies have their lawyers ask about such payments during a discovery session or during a scheduled trial.

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