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Out of Pocket CostsYou pay your monthly premium for health insurance; therefore, it seems safe to assume that you will be protected from medical costs after an accident. Sadly, it is not until long after an accident that most victims realize how hurt they are – and it takes even longer for the medical bills to start piling up. Some of these costs are nearly impossible for accident victims to recover, especially if the injuries sustained included surgical procedures.

The situation is only becoming bleaker with medical expenses continuing to rise across the country. A study conducted by the University of Michigan found that out-of-pocket medical expenses in regard to hospital treatments has risen 37 percent between 2009 and 2013. The average patient was estimated to pay more than $1,000 for his or her own hospitalization and treatment; this didn’t include the costs associated with follow-up care, medication, physical or rehabilitative therapies, and other associated costs.

What About Health Insurance Coverage?

Health insurance can vary depending on your plan and carrier. Because they vary so significantly, it is hard to understand how your plan will work if you are injured. Most plans have an out-of-pocket deductible, as well as a maximum amount that the patient is liable for in the event that he or she is hospitalized – and this maximum out-of-pocket is often in the thousands.

If you have been injured, you may turn to health insurance coverage to help shoulder the burden. But, health insurance will not take on all of the liability. You will still have out-of-pocket expenses, and health insurance will stake a claim on any personal injury lawsuits you file in regard to your accident – because they will want to be reimbursed for any costs they covered as a result of that accident.

Receiving Compensation: You Need to File a Car Accident Lawsuit

Following a motor vehicle accident, you may not realize just how injured you are or how much of a financial burden that accident will have on you and your loved ones. It could take several weeks (or even months) before the costs start adding up. That is why it is important you speak with a personal injury attorney right away. An attorney can assess not only the costs that you have already paid, but future medical expenses. With an attorney calculating the costs, you can rest assured that your car accident claim will request compensation for all of those out-of-pocket expenses – including what insurance will want to be reimbursed for.

Speak with a Car Accident Attorney First

If you have been seriously injured in a car accident in Chicago, you need to contact an attorney right away. The team at Malman Law can help decide if a personal injury lawsuit is right for you – and ensure that all medical costs (including your out-of-pocket expenses) are recovered. You didn’t cause the accident; therefore, why should you shoulder the financial burden of recovery? Schedule a consultation today with Malman Law by calling our offices, or fill out our online contact form with your legal questions.

Firm Awards & Recognitions

Steven Malman was selected to the list. The list is issued by the American Institute of Legal Counsel. A description of the selection methodology can be found at http://www.aiopia.org/selection/.

  • Steven Malman was selected to the list. The list is issued by the National Academy of Personal Injury Attorneys. A description of the selection methodology can be found at http://www.naopia.com/selection-process.

  • Steven Malman was selected to the list for 2018-2019.

  • Only the top 100 trial lawyers from each state or highly-populated regions of certain states who are actively practicing in civil plaintiff and/or criminal defense law are eligible for invitation. Invitees must demonstrate superior qualifications, leadership skills, and trial results as a legal professional. The selection process for this elite honor is based on a multi-phase process based upon objective and uniformly applied criteria which includes peer nominations combined with third party research.

    Prospective members of The NTL are carefully screened prior to receiving an invitation for membership.

  • Top Attorneys Diamond Member

  • Top Attorneys of North America 2019-2020

  • The American Institute of Trial Lawyers is an invitation only professional organization composed of premier trial attorneys from each state. These attorneys exemplify the very best qualities and qualifications of an attorney. Each attorney must meet stringent qualifications as a civil or criminal trial attorney. These attorneys practice in a variety of fields to help and promote the ethical and elite practice of law. Selection is based on a thorough multi phase process which includes peer nominations and third party research. Each member must be in good standing with their local compliance organization. Membership is extended to only a select few in each state and/or region.

  • As the founder of Steven J. Malman and Associates, P.C., Attorney Steven Malman has 21 years of experience handling personal injury, nursing home, medical malpractice, premises liability, construction and workers’ compensation cases. Mr. Malman is one of Chicago’s leading authorities on personal injury law and has taken a special interest in defending the elderly from neglect and abuse. He has personally handled over 10,000 cases successfully, and collected hundreds of millions dollars for his clients.

Client Review

  • "I'm very pleased to recommend Malman Law to my friends and relatives! I have to mention how efficient and professional in dealing with my case has been with everyone that I've been in contact with at Malman Law. Mrs. Sabo is outstanding as well as her secretary and assistant in responding quickly to any of my questions or concerns. This firm has gone above and beyond to keep me updated and get answers to my questions at any time, weekends included! Malman Law rules in my opinion! "

    - Cheryl Wagemann
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