According to the United States Census Bureau, more than 28 million Americans do not have health insurance coverage. In case of an accident that causes bodily harm, they will have to pay for the treatment from out of their own pockets.
This can be particularly unfair when an injury is caused by the negligence of another person or organization. Personal injury claims can be caused by several factors:
Auto Accidents – You may have been involved in a car accident caused by the negligence of another driver or entity.
Premises Liability – This is a type of injury caused by the negligence or failure of the landlord to ensure their property is safe for use.
Dram Shop Liability – Dram shop liability laws make it possible for a liquor store owner or a licensed establishment to be held financially liable if it serves alcohol to an underage person who causes injury to another due to their drunkenness.
Aggravated Assault – This is a type of felony that causes serious bodily harm as a result of an intentional assault.
If you have experienced bodily harm due to any of the following factors above, it is within your right to file a personal injury lawsuit. In California, the statute of limitations for a personal injury lawsuit is twenty-four months (two years). After twenty-four months, your case becomes null and void unless certain exceptions apply.
Even if you file a personal injury lawsuit immediately, it will still take time before you are compensated. So what do you do to ensure that you can afford treatment as the case is ongoing?
Road accidents are unpredictable, and they can happen to anyone and at any time. Therefore, it is essential to have a health insurance policy that will cover you while your settlement is pending. As your insurance company pays for your medical expenses, they might try to recoup the costs from the at-fault party in a process known as subrogation.
A medical lien is an agreement between a patient and the hospital that all medical bills will be paid once a personal injury settlement is made. A medical lien is beneficial, especially if you need to be treated for long-term injuries. A medical lien is granted to patients who do not have a health insurance policy or cannot pay for their treatment.
Keep in mind that not all medical hospitals have a lien policy. If you require a lien policy, get in touch with a qualified personal injury attorney to link you with the right hospital.
Another strategy you can use to ensure you can afford your medical bills is to get a personal injury protection (PIP) policy. There are several advantages to this type of policy, one of them being suitable for uninsured drivers. In addition, they pay out faster than an injury claim.
If you are involved in a personal injury situation but require money immediately for your hospital bills, do not hesitate to call The Kindley Firm, APC. You can get in touch with us by sending us a message via this website’s contact form or by dialing 619-550-1313.