If you suffer an injury due to another party’s negligence, you have the right to recover for your injury-related losses by filing a personal injury claim in civil court. However, claims can take some time to investigate, file, settle, or argue at trial if necessary. During this process, you will likely require a significant amount of medical treatment for your injuries that can result in extensive medical bills. Medical costs for emergency treatment, hospitalization, surgeries, medical equipment, rehabilitative therapies, and other needed care can quickly climb into the tens of thousands of dollars in many cases and your medical providers will bill these expenses to you. So it is only natural to wonder: how will you pay these bills while you wait for your personal injury settlement or award?
Fortunately, there are some options to help you cover these expenses until your claim is finalized and an experienced Las Vegas personal injury attorney can provide valuable advice regarding paying medical bills during a personal injury case.
Medical payments coverage
Medical payments–commonly referred to as “med-pay”–is an optional type of coverage under your auto insurance policy that can be extremely important to cover your medical expenses in the event of an accident. This type of coverage is no-fault, meaning it will cover your medical bills whether you or another party caused your accident. Even more favorably, med-pay policies have no right of subrogation under Nevada laws, which means companies cannot ask for reimbursement for the expenses paid once you receive your settlement or award from your personal injury claim. If you do have med-pay coverage, it can be a highly important tool to cover medical expenses while filing a claim. If you do not have this type of coverage, it is advisable to look into securing a policy before an accident and injuries occur.
Personal health insurance
If you do not have med-pay coverage when you are injured, you can turn to your personal health insurance policy to cover the majority of your expenses. Depending on your policy, you may have to pay a deductible, co-pays, or other out-of-pocket expenses for your treatment. You can get compensated for these out-of-pocket expenses as part of your settlement. However, your health insurance company is entitled to subrogation, which means it will likely seek compensation for the expenses that it covered once you receive your financial recovery. Despite this subrogation, your insurance can provide assistance in covering your medical expenses while you wait for the legal process to be resolved. Furthermore, your insurance may be able to get discounted rates on medical treatments so that they will not collect the full cost of what your treatment may have been if you had paid out of your own pocket.
Call a qualified Las Vegas personal injury lawyer for a free consultation today
At the Ladah Law Firm in Las Vegas, our dedicated personal injury attorneys know how to advise clients facing payment of medical bills and how to come up with creative solutions to help them cover those bills until their case is settled. If you do not have adequate insurance coverage, we can help you with medical liens or other solutions that may be available in your particular situation. We always offer free consultations and are here to evaluate your case and stand up for your rights as an injured victims. Please do not hesitate to call for help at 702-252-0055 today.
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