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Friday, July 20, 2018
After a car accident, you go to the hospital, receive treatment, see your doctor, get prescriptions, and take some time off work to recover. At the time, you are not worried about the medical bills. As time goes on, however, the bills come in, insurance deductibles drain your bank account, and before you know it, you are overwhelmed with the cost of an accident.
You assume insurance will kick in soon enough, so you keep waiting it out. A few months later, you receive a letter saying your claim was denied, and now you have no way to pay for your medical expenses – let alone everything else.
When it comes to personal injury claims, the delay between receiving payment and the bills sitting in front of you that are due today tends to stretch itself out. The insurance company might act friendly on the phone and even say they are there to help. But they are stretching you until you are ready to take even a low-ball settlement for financial relief.
There is no doubt that paying for medical costs after an accident becomes an overwhelming burden. Therefore, you need to understand who pays for them, how you can receive money, and your options when the insurance company unfairly denies your claim.
It is a no-brainer to seek medical treatment after a car accident. You did your part and sought treatment only to find yourself facing hundreds (if not thousands) in medical costs. Even if your injuries are starting to heal, you have expenses that came out of pocket and you still have physical therapy and in-home care costs rolling in. The providers of these services do not care that you are waiting for an insurance payout – they want their money now.
Whether you are ready to file a lawsuit or not, you need to understand how the medical bills get paid between the time you are injured and eventually receive a settlement.
There is a common misconception that an injury attorney pays for medical costs while you wait for a settlement, but this is not true. Your attorney does track your medical costs, and they ensure that the damages you receive include all the relevant medical expenses. However, they do not pay the bills for you.
Ultimately, you are the party responsible for your medical bills. When you seek treatment, you sign documents agreeing to such. Therefore, you must rely on your insurance or the other party’s insurance to pick up the cost of those expenses for you. Otherwise, you must use your funds to pay for them.
Even though the other party’s insurance may be liable for those medical costs, you should not take the first settlement they give. Early in the process, especially if it is obvious the other driver caused the accident, you could receive a settlement offer. These tend to come before you have recovered or even have time to assess your injuries.
The company wants you to sign a release of liability and take the money. By signing it, you cannot seek further compensation. They do this hoping that you will be desperate enough for money and not realize that the amount offered is too low for future costs.
Before taking any settlement, you should consult an attorney to see if it is fair. An attorney can evaluate your overall costs and determine if the settlement covers future expenses that you might not have thought about.
While you wait for the other party to settle, you may be able to use your own Med Pay coverage in your automobile insurance policy. Note: this is not guaranteed coverage. Instead, you add on medical payment coverage as an option when you sign up. Therefore, if you did not add Med Pay, you will not have payments from your automobile insurance company.
You may be able to use your health insurance to bridge the gap between the time you need medical care and the time you receive a settlement. This process is known as subrogation. Your health insurance does pay for the medical costs, but only until you receive a settlement. Once you have a settlement, the insurance company will receive the portion paid by them to your medical providers. This ensures that you are not double paid for injuries.
Typically, to ensure payment, the insurance company places a lien on your settlement. That forces your attorney to satisfy the lien before they can legally distribute your settlement.
When your healthcare provider knows that you are receiving a settlement, they may place a lien on that settlement just like insurance. In this case, you and your insurance company do not pay them. Instead, they will receive payment for medical services out of your settlement once your attorney receives it. Again, your attorney must first pay the liens; then you receive the remainder.
Bills that are not covered by your medical or automobile insurance are typically paid once your case settles. The settlement process can take a few months to a few years, depending on how the insurance company defends their side.
Multiple companies will have a hand in your settlement, which may delay the process. Not only do you have the defendant, but you also have the insurance company, billing departments, lawyers, and medical professionals all working to find a settlement – adding unnecessary delays.
Typically, the settlement process starts once your doctor clears you or says that you will not recover any more from your injuries. Your attorney waits for this point because that is the safest point to start seeking compensation. Your attorney does not want to settle before you have reached your full recovery period. If they do, there may be unknown costs in the future that you may have to pay for after settlements are done.
Once you have reached maximum recovery, your attorney will gather all medical costs – and any potential future medical expenses estimated – and work those into their settlement expectations.
One way to ensure that all medical providers are paid, and that you are not obligated to pay out of your pocket later, is to send a copy of the bill to your attorney via mail or email each time you get one. Your attorney will then have a running tally of all medical costs you must have reimbursed in the settlement.
Also, keep copies of medical records and anything you pay for out-of-pocket. This includes:
While you are waiting for a settlement, you may not have the funds to pay for medical costs. Do not let these bills pile up and ignore them. Instead, contact the individuals and tell them that you have a settlement in process. Make sure they understand the situation. Because once you go to collections, the other side is not liable for the added fees associated with that. You are still obligated to pay all medical bills regardless.
Some companies will wait for your settlement, while others will accept small payments until you have the debt paid off. Keep records of any payments you make to these companies so that you receive the payment for them instead of the company itself.
You might wonder why you should hire an attorney if they are not going to help with your medical bills. While your attorney might not pay for them outright, they are there to ensure you get through the process and receive the settlement you deserve. Furthermore, they speed up the settlement process so that your bills have less chance of going to collections or you find yourself broke from paying the costs.
The attorneys at Malman Law have helped countless victims just like you receive the money you need for your injuries. We understand how the process can be overwhelming and even outright frustrating. We are here to help you lessen the burden, negotiate with insurance companies, and get your medical costs paid so that you are not overwhelmed.
Schedule a free consultation with our attorneys today at 888-625-6265 or request more information online about how we can help you.
They are very helpful, and when it comes to getting things done with your case I had the pleasure of working with Jason Kellerman he was awesome I highly recommend them.
- Britany Weaver
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
I’ve been knowing about this Law firm for many years through friends, referrals & advertisements, never I thought I would need their services because I believed things & situations don’t happen to me like this, long story short I was in a situation that I needed help & advice!!! In the right direction, I connected with the Firm & a very patient, understanding professional woman by the name of Margie assisted me in what I needed 🙂 Thank you I will refer as I was as referred as well This firm really does care!
- Elvira G.
I was rear-ended by a semi-truck on my way to work. I was transported to the hospital and my car was totaled. In the aftermath, Dan Petrich and Anna Schmidt from Malman Law helped me get set up with physical therapy and negotiated with the insurance companies to make sure the resulting settlement would cover my medical bills and a rental car until I could get a new car. I would highly recommend their services.
would do everything they could for me.
- Tony S.
I contacted Malman Lawafter my work injury. So professional from my first phone call. Mr. Malman’s investigator, Dan, came right out to our home. Everything was explained in detail so I know what to expect during this process. I certainly recommend anyone ever in need of a personal injury lawyer to call Malman Law. Truly the best!! Thanks, everyone!
- Devin Jones
Attorney Greg Lamorena was my lawyer when I slipped and fell. He kept me updated throughout the case and was always available to talk when I had questions. He is a great lawyer and could not be happier about my settlement!
- Annie Ong
Alexis was the attorney on my case! She kept me in the loop about everything with my case. If I had any concerns I was able to contact her and she’ll answer my questions right away. If you’re interested in working with Malman Law I would highly recommend Alexis she was GREAT. I would highly recommend Malman Law if you’re ever in need!
- Eugenia Cathery
They are so efficient and professional. Always available to help. Attorney Boyer was great and very good with my case. I really appreciate Malman Law. I gave them 5 stars because there is nothing higher.
- Omolewa Snyder
I have had an amazing experience with Malman law so far. From the start, Dan was super easy to work with, got me the medical attention I needed, and fast. Couldn’t ask for better communication. Neil Kilcoyne has been nothing but the best I could not recommend a better attorney. Malman Law is a 10 out of 10 law firm.
- Trevor Harris
Hi, I just want to acknowledge Jay McCarron, Kelly & the firm at Malman Law for representing me as they continue to work on my case. Thanks for keeping me updated & responding quickly to any of my questions or concerns. I would highly recommend you and your firm to friends & family. E. P.
- Ernest Pitts
Alexis was the attorney on my case and she was GREAT. She made sure I was updated on everything about my case. I would highly recommend Malman Law if you’re ever in need.
- Ariel Fleming
I had the best experience with Jason and Jay attorneys from Malman Law they really went all the way to settle my case I’m telling you there just the best!! Recommend 100%!
- Carmen Rivera
Adam Meadow acted as the attorney for a family member who was in a car accident. He was highly personable and actively listened to our issues throughout the litigation process. He was able to get us a settlement for the reparations of the accident. We would recommend their services!
- Greg Gustafson
Excellent customer service and a great experience. Malman Law handled the whole process and it was very smooth. The settlement was a great success. I would choose Malman Law again in the future.
- Malak St.Clair
Helped me out of a big jam when my auto was hit twice when and the other drivers had no insurance. Adam Meadow is the only Lawyer I will call for helping me and my daughter.
- Devri Lott
I cannot give enough praise to the team at Malman Law, for helping with my case. My children were involved in an auto collision and the attorney Adam along with his paralegal Michelle worked diligently until the matter was resolved and my entire family was happy. I would definitely recommend Malman Law for anybody going through legal troubles.
- Adrian Lopez
A close friend recommended me to Malman Law. I currently have a case with them due to a car accident I had and ever since the accident they have been taking care of everything for me without me having to worry about anything. They took care of the medical bills & helped me get physical therapy right away. I highly recommend them.
- Vanessa Leon
Bella Feinstein, Jason Kellerman, and Terry Davey have been instrumental in helping me through many difficult situations. Not only did they work to get my mom a settlement, but they have also continued to help me through the legal process of relocating my mom to a different state. I’m very grateful for their hard work and good advice.
- Nyah Vuljanic
This law firm is the best they got me paid and Malman Law kept in constant communication with me which meant a lot to me I would highly recommend this law firm to anyone who. In the position, they are awesome sincerely. Jeff walker
- Jeff Walker
Mr. Kellerman of Malman Law shows compassion for his clients. Returns calls and emails promptly, he takes time to listen to his clients, and gather facts accordingly.
- Steve Acosta
Everyone at Malman Law made me feel welcomed and heard. My lawyer, Adam Meadow, as well as staff, kept me up to date and were more than happy to do so! I would highly recommend their services. Also- a plus is many employees are fluent in Spanish. My experience was easy and worthwhile.
- Adrianna Gomez
Dan Petrich was the best man for my case of falling through my porch of an apartment I rented. He made sure I got what I deserved not only $ wise but medical wise and that my hospital bills and Dr bills were left at a $0 balance before closing my case. I was definitely happy and glad I choose him. Thank you. 5 stars
- Jose Cruz
Steve Malman helped me with my auto case. He quickly responded and answered any and all the questions I had. My case was a success as well as 2 other family members I recommended to him won their cases as well. Definitely a 5 star!
- Meagan Cruz
- Eddie Villarreal
I am very impressed with Malman Law and my experience with Tiffany Alberty. She was very professional and knowledgeable. I appreciate the great communication and never felt out of the loop. She was very patient and hard working on my case. I would highly recommend this firm. Thanks for the hard work and all your help!
- Madissen Miller
Malman Law is definitely professionals and skilled at what they do. Mr. Adam Meadow always kept me informed and never hesitated to answer my questions and was open to hearing my concerns. Wouldn’t think twice about referring them to family and friends. Thank you to all at Malman Law!
- Christina Ocon
Mailman Law, Excellent firm!! Tiffany Alberty and her assistant Margie Gallegos were super efficient and knowledgeable. Great communication—very quick response and great follow up! My case was resolved sooner than expected. I highly recommend them!
- Adriana Martinez
So glad I contacted Malman Law regarding my accident. Professional and caring. Thank you Mr. Malman. I most definitely recommend to anyone if you need the best to call Malman Law!!!
- Virgil Sanner
I really appreciated and enjoyed Yennin Calderon’s service. I called asking questions and she was so helpful. Not only did she answer all my questions and concerns. It was also a bonus that she was bilingual in Spanish! Loved the warmth she brought. Thank you!
- Jazlyn Caraballo
My experience with Malman Law was great. I worked with Attorney Tiffany Alberty and her assistant Margie. Both communicated what was going on with my case, explained the next steps, and got my case resolved early. I would highly recommend Malman Law.
- Ashley Jenkins
2 years ago I was involved in a trucking accident involving a 14-wheeler truck that nearly disabled me for life. Steve fought to make sure that I received the most possible compensation for my injuries. I was about to take the insurance company’s lowball offer, but decided to call Steve first – it was the best decision I’ve made yet
NOAH TAFFELPersonal Injury Victim