The last thing people want to deal with is a car crash. Even minor fender benders can be a pain to deal with, but the more severe the accident is, the higher the costs will be. While your car may have been expensive, it can pale in comparison to the extent of your medical bills, particularly the more extensive your physical injuries are.
Pennsylvania has choice no-fault car insurance laws, meaning no matter who caused the car accident, your own insurance must cover the damage to you and your vehicle as long as you didn’t opt out of the no-fault rules. When you buy car insurance, you are provided with full-tort or limited-tort options. Full tort coverage means you opt out of the no-fault system and you can make a claim with the other driver’s insurance. If you selected limited tort, you can only make a claim with your insurance provider to cover medical bills and lost wages.
If you get into an accident, even with full tort coverage, you must rely on your own insurance, both medical and auto, until you can submit a claim. This can mean paying for your own medical bills and relying on savings if you can no longer work. Using your savings would be considered an “out-of-pocket” expense and will be reimbursed if you go to court and win a settlement. If you file a claim with the other driver’s insurance company and they accept your claim, they will have to reimburse you for all expenses you paid as the result of the accident. However, if you have limited tort, you must file a claim with your own insurance and must rely on it entirely to cover the total cost of your expenses. If your insurance doesn’t cover the full cost of your medical expenses and property damage, you might be able to sue the at-fault driver’s insurance company to make up the difference.
The insurance company of the other driver could also refuse to pay your claim or could try to lowball you in the process. These businesses don’t make money by covering medical bills, so they will do everything in their power to pay as little as possible. If this happens, you must consult an experienced Harrisburg car accident lawyer who can help you file an appeal. An attorney can help you keep track of all the bills you had to pay yourself, or that are pending, until the end of the case. These bills should all be paid for by the settlement.
If your bills are accumulating, make sure to take action. They can still begin to hurt your credit score if they go unpaid. Contact your medical providers and inform them of the situation. You want to ensure the companies are aware of your legal position and that the bills are the result of an accident. You can ask a company to put your account on hold until your case is settled and you can pay your bills completely. Some companies might even allow you to make small payments to prevent your account from going into collections until the full amount is paid.
If you need assistance filing a claim or appealing a denied claim, talk to one of our skilled lawyers at Metzger Wickersham. Our attorneys understand how difficult dealing with a car accident can be. If you were injured through the negligence of another person, you deserve compensation for any expenses the accident caused. We can offer you decades of legal experience and the resources that come with an established and well-staffed firm. Our lawyers have handled thousands of personal injury cases and can help review police reports, medical records, employment documents, and all other recourses needed to determine the fair value of your case. We have even worked with accident reconstruction specialists and other expert witnesses in previous cases. Let us see what we can do for you.
Contact us at (888) 286-2850 or fill out our online form to schedule your free case consultation today.