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Paying for Medical Care After an Accident

Car Accident Attorney in Des Moines, IA

Medical Care Following an Accident

The aftermath of a car accident can be devastating both financially and medically. Not only does a vehicle owner have to fix their car, but they also have to tend to their health. Most people want to assume that it is the at-fault driver’s responsibility to pay for any damages, including physical injury. However, before you can receive any money from the at-fault party, you have to prove liability. Therefore, your medical bills are essentially your responsibility until after you have successfully filed a claim and won. The question then becomes how you take care of your medical expenses while awaiting a trial or a settlement negotiation.

Personal Health Insurance

Most health insurance companies are willing to cover a car accident’s expenses, but you have to be clear about what injuries are related to it. While your health insurance might cover the costs initially, they will expect to be repaid in full when you receive a settlement or judgment in your favor. 

Paying Out of Pocket

While it is not an ideal way to pay for your medical bills after an accident, you can choose to dip into your savings, depending on how much you have. Many people hesitate to dip into their savings because they are worried about paying it back. Still, it is often essential to address the problem as early as possible when dealing with physical injuries. Waiting on rehab or for a diagnosis confirmation can mean long-term handicaps. 

It is best to look at dipping into your savings as borrowing from it. You will file a claim with the at-fault party, which then goes to a settlement proceeding or court. Depending on how clear cut the case, you can rest assured that your savings will be restored when you receive a payment through the settlement or the judgment.

Attorney Liens

If you do not have a savings account and do not have health insurance, your attorney might be willing to advocate on your behalf. Suppose the lawyer believes you have a strong claim, then, in that case, they can often persuade medical facilities and doctors to provide the care you need. This can postpone payment until after a verdict or an agreement has been made in your claim. Just remember that when you get a judgment, the money will go first to any outstanding debts.

If you are facing mounting medical bills and do not know where to turn, contact a local car accident attorney in Des Moines, IA for help. Our attorneys at Des Moines Injury Law, LLP can help you fight your case and get the compensation that you deserve.