If you are involved in a car accident that isn't your fault, the other party's insurance company is supposed to cover the damage to your car, the cost of a rental car if you need one and all of your medical-related expenses. Unfortunately, some insurance companies do try to get out of paying all of these bills, particularly the medical-related ones, since they can get quite expensive. However, there are a few things that you can do to ensure that your medical bills are covered, so follow these four tips if you have recently been in a car accident. Then, you can help ensure that you don't have to pay out of pocket for medical expenses that you shouldn't be required to pay for.
1. Go to the Hospital or See the Doctor Right Away
It's critical to go to the hospital or see a doctor as soon as possible after your accident. Then, you can begin getting medical treatment right away, and you can help prevent the insurance company from saying that your injuries are from something else. The faster that you move, the better.
2. Take Pictures
If you have any scratches, cuts, scars or bruises from your accident, it's important to take pictures of them immediately after the accident and periodically throughout the healing process. These injuries can heal before you ever go to court with the insurance company, so it's important to have proof that the injuries were sustained.
3. Keep All of Your Medical Bills
Don't count on the insurance company to contact your doctor or hospital to find out about your medical bills. Keep all of them as you receive them. Also, keep receipts for over-the-counter medications, prescription medications and doctor's visits that you have paid for so that you can be reimbursed.
4. Hire a Lawyer
It's best not to try to represent yourself in one of these cases. You could accidentally say the wrong thing, or the insurance company could try to take advantage of you because you don't have a lawyer. Instead, hire a car accident lawyer who can help you throughout the process.
Dealing with the injuries and other issues after a car accident can be bad enough, and you shouldn't have to worry about financial-related issues at the same time. Luckily, following these four tips can help you ensure that the insurance company pays for all of your medical-related expenses, so you can focus on healing rather than having to worry about money.Share
14 December 2014