I’ve been hurt in an accident.
Insurance companies start investigating your claim as soon as they are made aware of the accident. So, you should talk to a lawyer before you talk with an insurance company or consent to their requests for information. You may call SleighLaw to schedule a free initial consultation.
You will probably be contacted by representatives working for the insurance company of the other person or entity, who may wish to take a recorded statement from you either by telephone or in person. Their purpose may be to gain information that they will use later in time to deny liability or fault, or to decrease the amount they should pay. They may also ask you for sign releases for medical or employment information. By the same token, your own insurance companies with whom you have policies may require you to report any accident to them within a certain time frame, which may also involve requests for recorded interviews, medical documentation, employment information, and the like.
How do I pay for my medical bills?
If you have been injured as the result of someone else’s fault, or on someone else’s property, or as the result of a car accident, you may require medical treatment. The hospital, doctor, or physical therapist must be paid. Depending upon the circumstances, the medical provider should send the bill to the appropriate potential payer. You should present the correct information to the billing office of the medical provider. Although you might think that the insurance company for some other person or entity should or will volunteer to pay the bill, particularly if the other person has acknowledged fault, such may not be the case. During a free initial consultation with SleighLaw, we can discuss with you potential various ways to address medical bills, so you may obtain the treatment you may need.
When you visit SleighLaw, you should have the following information available to you to relay to us: the name, telephone number, and policy number of your own medical health insurance, either through your employer or through programs such as Medicare or Medicaid. If your injury was the result of an automobile accident, you should also give us the name, telephone number, and policy number of your own automobile insurance, and if you have it, the name of the other person’s insurance company. You should also have similar information about any umbrella or excess insurance policies you may have. If you were injured on another person’s or company’s premises, you should inform us of the name of the homeowner’s insurance company or the commercial liability policy of the company.
If your own insurance policy, whether it be your health insurance, car insurance, or disability policy, pays for medical services rendered to you for injuries as the result of the fault of another, those entities may be entitled to statutory or contractual repayment if you are able to recover from the person at fault.
What are my damages?
The Law of Remedies provides for certain types of damages to which an injured person may be entitled. An injured person is entitled to recovery for the amount of reasonable and necessary medical bills for treatment. An injured person might be entitled to lost wages which result from missed time at work due to an injury. He or she might be entitled to other damages which are more difficult to quantify, such as pain, disfigurement, lost enjoyment of life, or lost earning capacity. When you meet with the attorneys of SleighLaw, we will discuss these types of potential damages and whether they might apply to your situation.
If you’ve been hurt in an accident, your first responsibility to yourself is to do everything you can to recover from your injury. You should follow the advice of all of your health care providers.