Being involved in wrecks or accidents is already challenging enough, and recovering from an injury can be a daunting task that not only puts a strain on your body but can also cause significant mental stress.
As a personal injury lawyer at Crescent City Law, John Radziewicz has seen many different scenarios in which the injured have faced varying levels of stress while paying their medical bills. One option that may help you after an accident is collecting money from your own medical insurance company if you get injured in an accident.
In this blog, our personal injury team at Crescent City Law will discuss how your insurance company might be responsible for covering your expenses and provide general tips on navigating this process to ensure you receive the compensation you deserve.
Understanding Medical Bills After an Accident in New Orleans
While you are recovering, you may still worry about paying your monthly bill, such as:
- Mortgage or rent
- Utilities
- Car payments
- Subscriptions
- And more
This stress can be compounded if you are unable to work due to your injury. If your injury was caused by a car accident or work accident, you are probably experiencing both physical and emotional pain. Additionally, the rising cost of medical bills can cause financial stress that may last for years after the injury.
Understanding your insurance coverage and how to manage these expenses is crucial in alleviating some of this burden. Hence, it is important to understand how medical bills and accidents work.
- Complex Nature of Medical Bills: Medical bills and the process of paying them can be extremely complicated.
- Hiring a Personal Injury Lawyer: Engaging a personal injury lawyer is often the right decision to help navigate these complexities.
- Understanding Health Insurance:
- Insurance companies have contracts with hospitals, doctor’s offices, and examination businesses (such as imaging centers).
- They agree to pay a certain percentage of each type of charge or a fixed charge, depending on the type of expense.
- Coverage of Medical Costs: Knowing how your health insurance works can help you understand what portion of your medical bills will be covered by your insurance company.
With extensive experience in personal injury cases, our team at Crescent City Law provides compassionate and personalized legal support to ensure you receive the compensation you deserve.
What Is The Benefit of A Supplemental Health Insurance?
Insurance commercials often highlight the benefits of supplemental health insurance in memorable ways. These policies can provide cash benefits that help cover expenses when you’re unable to work due to injury.
Here’s the gist: supplemental health insurance can offer financial support that is just as valuable as money, helping to alleviate the financial strain during recovery.
How Does Supplemental Health Insurance Work?
Supplemental health insurance companies provide a set amount of money to cover expenses that your primary health insurance does not. This includes compensation for missed days of work, allowing you to focus on recovering both physically and mentally without financial worry. The company pays you directly, and you can use the money for any of your current needs. The amount you receive is determined by the severity of your accident and the type of treatment required.
There are many different supplemental health insurance companies. Your primary health provider may offer a supplemental benefit, so check with them first for available rates.
Types of supplemental medical insurance include:
- Cancer insurance
- Critical illness insurance
- Disability insurance
- Hospital stay insurance
- Life insurance
- Vision or dental insurance
Be aware that making a claim with your own insurance company may increase your insurance rates. Similar to an auto accident, you are considered a higher risk after making a claim, which can result in higher rates.
Should I Carry Uninsured or Under-Insured Motorist Coverage in New Orleans?
Yes! Underinsured motorist coverage (UIM) is very similar and helps when the driver at fault does not have enough insurance to cover the damages to your vehicle and other losses.
Having uninsured and underinsured motorist coverage as a part of your auto insurance policy is a great way to protect yourself while out on the road.
Louisiana’s Uninsured Motorist Law (R.S 22, §1295) states that any auto liability policy purchased automatically includes uninsured motorist coverage, even if the policy does not specifically include it in the language. If you choose not to include uninsured motorist coverage in your policy, you must sign a waiver stating that you reject uninsured and underinsured motorist coverage or choose coverage below the statutory minimum required.
How Can a Personal Injury Lawyer in New Orleans Help?
If you find yourself in a car accident or suffer a work-related injury, navigating the aftermath can be overwhelming. Understanding your legal rights and securing the necessary compensation is crucial for your recovery. Here’s how a personal injury lawyer in New Orleans can assist you:
- Mitigate Financial Damages: A local personal injury attorney can help you manage and reduce financial damages.
- Support Your Case: A personal injury lawyer can assist you in building a strong case against any claims for damages to another person or property.
- Navigate Complex Laws: Personal injury lawyers understand the complex nature of laws related to accidents and injuries, providing you with reliable legal guidance.
- Optimize Recovery: By leveraging their experience and legal knowledge, personal injury lawyers can offer you the best chance of recovering both physically and financially.
Our team at Crescent City Law is dedicated to providing you with personalized and compassionate legal support on the path to recovery.
Contact Our New Orleans Personal Injury Attorney Today!
If you have recently been in a car accident or an on-the-job accident, or if you have any questions regarding who is paying for your medical bills, please feel free to call John toll-free at (866) 459-4478 or (504) 264-9492. You can also contact our team at Crescent City Law via email. We are available for a free consultations and is dedicated to protecting your rights during this trying time.
