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Medical Expenses and your Personal Injury Claim

hospital expenses after accident, medical bills from accident, compensation for medical expenses, out-of-pocket medical costs, reibursement for treatment, personal injury claim, accident lawyer nearThe scene of an accident can be chaotic, shocking, and confusing.  Immediately after an accident, many things go through your mind.  It is important to evaluate the situation to make the best decision regarding what steps to take next.  If you, your passengers, or anyone involved has been severely injured, the most important step is for someone to call 911.  If there is a serious injury, an emergency crew will take the injured directly to a hospital emergency room.  Medical professionals deal with accident-related injuries on a regular basis, so they are prepared to take care of you.  That is the good news.  Unfortunately, most injuries require far more treatment and therapy than what is given in the ER.  Injured parties can find the road to recovery long, painful and expensive.

Article:  “Even With Private Insurance, Out-of-Pocket Costs for Hospital Visits Shot Up 37%”

Health Insurance and Out-Of-Pocket Expenses

In the event that you’re injured, focus on recovery, and manage medical bills the best you can until an attorney is hired, and a settlement can be reached.  Insurance companies can be tricky.  Don’t accept insurance company settlements right away as you may be cutting yourself short from bigger financial compensation later.  Also, always try to use the benefits provided by your health insurance before paying out-of-pocket expenses.  (Out-of-pocket expenses would include all charges not covered or reimbursed by your insurance such as co-payments, deductibles, coinsurance, etc.)  Many health insurance plans have an “out-of-pocket” maximum on their policies.  If you don’t have health insurance, everything would be considered out-of-pocket expenses.  Keep in mind that, depending upon what kind of health insurance you have and other variables, you may be asked to provide compensation to your insurance after the injury claim is settled.

Document All Medical Expenses

One thing you can do to ensure that you get an appropriate payout for your claim is to document all medical expenses as they happen.  (It is far more difficult to go back and retrieve them after the fact.)  Some of the first expenses may be ambulance costs, emergency room visits, hospital stays and prescriptions.  As therapy and treatments continue, jot down expenses such as physical therapy, over-the-counter medicines, doctor visits, transportation to and from your doctor appointments, and other out-of-pocket costs.  Your personal injury lawyer may point out other eligible expenses while reviewing your case.

Find an Accident Lawyer Near You

A local personal injury firm such as Action Law Offices of Southeastern Wisconsin is familiar with the jurisdiction and offers other resources and community support that you may benefit from.  The attorneys are also experienced in personal injury cases and can provide very helpful advice to ensure you receive all the compensation that you deserve for the injuries, expenses, pain and suffering you have been through.  Contact us today for a free, no obligation case evaluation.

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Before Contacting a Personal Injury Lawyer, You Should Know:

The insurance adjustor is on the insurance company’s side, not yours.

Some are aggressive and try to scare people into not making a claim or into accepting very little compensation. Other adjustors seem kind and helpful — and then use your own words to deny your claim. The bottom line: the less the insurance company has to pay out, the more incentive the adjustor has.

We will investigate to establish liability and damages.

Our law firm has extensive resources to investigate an accident and assess who was at fault, regardless of the accident type. We work with a range of investigators and experts whose expertise provides crucial information for our determination of a fair settlement value.

Our attorneys can explain your coverage and your rights.

If you were hit by an uninsured or underinsured driver, your insurance company may fail to tell you about your rights under your own policy. We can also help you understand your medical coverage under your health insurance policy.