You can still get treatment for your injuries after a car accident if you don’t have health insurance. Insurance companies sometimes try to deny your claim, and obtaining the compensation you need for your medical bills can be a long process. An attorney familiar with Pennsylvania injury law and car accident cases can help you navigate the process.
Medical Treatment Is Critical After a Car Accident
It is imperative that you seek medical attention as soon as possible after the accident. If you do not go to the emergency room right away, then see your personal care provider within a day or two. Whether you seek compensation from the other party’s carrier or your own, do not hesitate to obtain medical treatment immediately, especially if you have severe injuries.
If you have trouble obtaining medical assistance due to the lack of health insurance or car insurance, reach out to an attorney to discuss your options. A skilled car accident lawyer can help you find a medical professional who will treat your injuries while your attorney pursues financial compensation on your behalf.
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You Can Use a Car Insurance Policy to Cover Your Medical Bills
If you have a Pennsylvania car insurance policy you have a minimum of $5,000.00 of medical benefits coverage that will pay for your accident related injuries.
Per Pa. C.S.A. § 1705, medical coverage on a car insurance policy may cover medical bills for accident related treatment. To seek non-economic damages, such as emotional anguish and pain and suffering, you make a claim against that at fault party’s auto insurance provider.
Medical Coverage Is Required in Pennsylvania Car Insurance Policies
The Pennsylvania Insurance Department requires drivers to carry medical coverage on all auto policies with a minimum limit of $5,000. Some policies offer higher limits in order to cover greater medical costs in the event of an accident.
MedPay applies to anyone involved in an accident with the policyholder, including drivers and passengers in other vehicles, and resident relatives. If the medical bill limit does not cover the full value of your medical costs, you may also wish to seek compensation through an insurance claim or personal injury lawsuit against the responsible party.
Insurance Claims Are Not Always Easy
Although you may be able to get your medical bills covered by MedPay or other insurance coverage, insurance claims often present a variety of difficulties. Insurance companies are motivated to reduce payouts as much as possible to maximize their own profits. For injury victims such as yourself, this means facing lowball offers and denials, even when you qualify for a full settlement.
Insurance companies will frequently dispute claims for the following reasons:
- They disagree with fault determination
- They do not believe that the medical care received was related to the accident
- They do not believe that all medical treatment is necessary
- They do not believe the policy covers the losses claimed
In addition, insurance companies may try to reduce the value of your settlement by implying that you were partially or wholly at fault for the accident. They are not below using intimidation or dishonest tactics to force you to drop or reduce your claim.
To protect your best interests, contact a personal injury attorney right away after the accident. They will know how to work with insurance companies and counter any unscrupulous tactics.
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Work With a Pennsylvania Car Accident Lawyer for Assistance
While you can legally represent yourself in insurance negotiations and even a personal injury lawsuit, you have a better chance for a desirable settlement if you work with an experienced attorney. Pennsylvania laws pertaining to car insurance, car accidents, negligence, and injury claims can be complex and confusing.
A personal injury lawyer with experience handling Pennsylvania car accident cases can guide you through the legal process, negotiate a settlement, and take your case to court if an agreement is not reached.
Rather than trying to track down evidence and field phone calls from aggressive insurance representatives, let your lawyer handle the legalities, so you can focus on your recovery.
The Injury Lawyers at Berger and Green Are Here to Help
At Berger and Green, we are committed to providing injury victims in Pittsburgh and across Western Pennsylvania with supportive legal guidance throughout the claims process. We understand the challenges you face after you sustain an injury in a Pennsylvania car accident, and we are here to lighten your burden.
Contact our legal team today to discuss the best way to obtain critical medical assistance after a Pennsylvania car accident. Our attorneys can help you obtain the treatment you need and conduct negotiations with insurance companies on your behalf.