Posts Tagged ‘How to’

If I Am Involved In An Auto, Car, Or Truck Accident, How Will My Medical Bills Be Paid?

Wednesday, May 13th, 2009
Who Pays My Doctor Bills After An Accident?

Who Pays My Doctor Bills After An Accident?

If you’ve been involved in an car or truck accident in Kentucky and receive injuries, there are multiple sources for payment of your medical bills. The first and most likely resource is basic reparations benefits, better known as PIP.  Each Kentucky insurance company that writes insurance in the state must make available $10,000.00 in PIP benefits to its insureds.  If you are injured in an accident involving a car or truck, you are entitled to up to $10,000.00 for reasonable and necessary medical bills.

You can also purchase additional coverage, called additional or added reparations benefits (ARB’s).  These benefits provide coverage for medical bills and other economic losses in excess of the $10,000.00 in standard PIP.  Once the $10,000.00 is spent, medical providers bill the additional coverage.

If you are a pedestrian, you are entitled to PIP from the car or truck that hit you.  If you are a passenger, you’re entitled to PIP from the driver’s insurance.  If the driver doesn’t have insurance, you can get PIP under your own car or truck policy.  If you don’t have a car insurance, you can get PIP from the Assigned Claims Plan, but you must qualify first.

You can also use private health insurance, public health insurance, such as Medicare or Medicaid, or private pay to get the treatment you need.  Those companies will often reserve the right to recover their payments from any proceeds you get from a lawsuit.  If you don’t have health insurance, many medical providers will offer treatment conditioned on being paid from any money you recover in a lawsuit.

Like lost wages medical expenses above the $10,000.00 in PIP are recoverable against the person at fault.  Often it is your obligation to repay any private or public health insurance company out of your settlement proceeds.

Remember, if you’ve incurred medical bills in excess of PIP, will need future medical bills paid, or will suffer long term impairment from your injuries, you should consider retaining a qualified accident attorney to help resolve excess medical bills and liens.

What You Should Do If You Are Involved In An Accident

Tuesday, May 5th, 2009

Nobody plans on being in an accident.  However, the fact remains in 2006, there were 2,575,000 people injured in car accidents in the United States.  The chances of you being involved in an accident are far greater then you might think.  Don’t plan on being in an accident.  Plan on being prepared in the event you are.

Here’s what you should do.  Take a deep breath.  Make sure your car’s transmission is placed in park and that the engine is turned off.  Place your hazard lights on.  Check to make sure you are not seriously injured.  If you aren’t, check any passengers who might be.  Before exiting your vehicle make sure it is safe.  If it isn’t safe, don’t exit.  If you have a cell phone, call and report the accident to the police.  If traffic remains heavy or you’re in a dangerous position, wait until the police arrive to exit your car.

If it’s safe, exit your car and check on the driver and passenger of the other car.  If nobody is injured and the cars are obstructing traffic, move them out of the roadway and into a safe position.  If  someone is injured do not move the person or the car.  If necessary mark the roadway with flares or cones.

If the accident involves injuries or if the property damage is in excess of $500.00, a report will need to be taken.  You should call the Kentucky State Police or other law enforcement agency to investigate.  If the accident is minor and the property damage is less then $500.00, you will not need to call the police.  However, you should fill out a civilian traffic report.  You can get one here.

Whether or not the police take a report, it is wise to get the name, address, and telephone number of the driver, all passengers, and any independent witnesses.  Driver’s license and license plate numbers are also helpful.  Also, take down any insurance information the other driver might have.  Make note of any road, weather, or other conditions that might have contributed to the accident.  You might want to look at the Kentucky State Police Civilian Traffic Report for additional information that might be needed.

If emergency personnel do come to the scene, have them check on you  even if you don’t think you are injured.  It is better to be safe.  If you leave the scene and later develop pain or muscle soreness, call your doctor or visit the emergency room.  It is not uncommon for injuries such as whiplash to develop much later.