How to Pay Medical Bills After a Truck Accident?

As a truck accident victim, you’ll probably need intensive care, surgeries, ongoing treatment, and an extended hospital stay. The medical costs for such healthcare may require out-of-pocket expenditure or even leave you grappling with debt for damages caused by another person’s negligence.

With the help of a truck accident lawyer, you can hold the truck driver or any other party at fault responsible and by seeking financial compensation. However, truck accident cases are known to be more complicated than those involving normal cars, which means they might take longer to settle. 

Who’ll pay the bills while you wait for your compensation? Can your attorney help with this as well? Read on to understand how to pay medical bills after a truck accident. 

Your Health Insurance 

Depending on the plan, your health insurance may cover car-related and emergency injuries as well. When you walk into the hospital after a truck accident, always provide your insurance information so the doctor forwards your bills to your provider.

Some insurers are also willing to cover your medical costs on the condition the same amount will be deducted from your settlement, in a process known as subrogation. 

Medicaid or Medicare

Another option to pay medical bills after a truck accident is to use your Medicare or Medicaid coverage. Similar to your health insurance, Medicaid and Medicare will likely require you to reimburse the amount used to pay your medical bills once your lawsuit settles.  

However, what most people don’t know is your lawyer can negotiate on your behalf for the reduction of the Medicaid amount you are needed to reimburse.

Negotiating a Medical Lien

Since a doctor cannot turn you away after sustaining truck accident injuries, they might place a lien against your lawsuit settlement instead. Through a medical lien, the hospital will provide all the treatment you require and later deduct the total amount directly from your settlement.

Your attorney can also negotiate this deferred payment so the hospital deducts the least amount possible.

Personal Injury Protection (PIP) Insurance

PIP is a type of auto insurance that pays medical costs after an accident whether you were at fault or not. 

Even so, to protect its own financial interests your insurer might still try to downplay your injuries and attempt to reduce the compensation you’re owed by offering a quick lowball settlement. A competent truck accident lawyer can help you understand the true value of your claim and will fight to get you every penny. 

Get Help from a Truck Accident Lawyer

A truck accident attorney can help you pursue compensation from the driver to pay your medical bills. If the lawsuit takes too long to settle, a lawyer can also negotiate liens on your behalf or advise you on other options available to clear the hospital bills.

Talk to a truck accident lawyer from The Kindley Firm, APC, by calling 619-550-1313 or sending us a message through our contact form below.