Who Will Pay My Medical Bills After A Las Vegas Accident?

Have you been involved in a car accident in Las Vegas and suffered injuries? The burden of mounting medical bills can be overwhelming. You’re not alone in this situation. If your injuries were caused by someone else’s negligence, you shouldn’t be responsible for the resulting medical expenses and other financial losses. You have the right to hold the responsible party accountable and seek rightful compensation.

calculating medical bills after accident

Sam & Ash Injury Law understands the financial toll that medical treatments can take, especially following a severe auto accident. Our dedicated team of car accident lawyers in Las Vegas is committed to fighting for the full and just compensation you deserve, helping you get your life back on track. You shouldn’t have to bear the financial burden of an accident that wasn’t your fault.

Throughout Nevada and California, our experienced legal team has successfully recovered more than $400 million in compensation for accident victims. When you choose us, our vast experience and abundant resources will be immediately put to work for you. Take the first step by contacting us today for a free case review, either by phone or through our online form.

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Who Is Responsible for Medical Bills After a Car Accident?

If you’re injured due to another person’s negligence in an accident, it is regrettable that you have to bear the initial medical costs. While this may seem unjust, there are multiple insurance options that could help you mitigate these expenses. You might find coverage for your injuries within your own health and auto insurance policies. Furthermore, if the other party is at fault for the accident, you have the right to hold them financially accountable for your damages, including medical expenses.

What if your auto accident claim is contested? Who takes responsibility for medical payments as you and your auto accident lawyers strive to settle the disputed claim?

In Nevada, there are typically three paths for addressing medical bills:

  • Utilizing your health insurance policy or a government healthcare program such as Medicare.
  • Applying for coverage from a Nevada Medpay auto insurance policy.
  • Establishing a lien in place of immediate payment to a healthcare provider.

Should you choose Sam & Ash Injury Law in Las Vegas to represent you in an auto accident claim, we have the expertise to negotiate with healthcare providers and other creditors in the aftermath of the accident. We can examine your insurance status and suggest feasible strategies to manage the bills. Furthermore, we can inform your creditors about your accident claim and our expectation to obtain a settlement or court award on your behalf.

Since every car accident case is unique in terms of injuries and medical needs, feel free to contact us to consult with a seasoned Las Vegas car accident lawyer at no cost. We are available 24/7 to help you navigate the most effective route forward. Rest assured, you will not be charged any legal fees unless we secure a monetary settlement for you.

Suing a Driver Who Caused the Car Accident

Under Nevada law, you can ask the courts to compel a driver to compensate you for your losses if the at-fault driver injured you through negligence or recklessness. In a personal injury lawsuit, you may seek compensation for your:

  • Medical expenses
  • Lost wages
  • Lost earning capacity
  • Property damage
  • Pain and suffering
  • Emotional distress
  • Inconvenience
  • Physical impairment
  • Disfigurement
  • Loss of enjoyment of life

Any money paid in a personal injury case typically comes from an insurance company. Jury awards are limited to the amount of insurance coverage available. In most cases, someone who does not have car insurance does not have other assets to seek in a lawsuit.

As your car accident attorneys, we would investigate to gather evidence of the other driver’s responsibility for the accident and to identify all available insurance or other assets. We can settle most car accident claims through negotiations with insurers. But we will be prepared to pursue a personal injury lawsuit on your behalf if that is what’s needed to obtain What’s Right for you,

Navigating Medical Expenses in Nevada After an Auto Accident

Strategizing effectively to settle your medical bills after a car accident can help you conserve a significant portion of your insurance compensation or courtroom victory.

Primarily, a Nevada resident suffering from injuries due to a car crash should look to their health insurance to cover medical expenses. In Nevada, around 88% of individuals are covered by some form of private or public health insurance. These insurers often have pre-arranged lower rates with healthcare providers and emergency services, thereby settling your medical bills at a lesser cost than direct payment.

If you gain a settlement from the guilty party’s insurer or a court verdict, your health insurance company will seek payback, known as subrogation.

Those covered by Medicare (or Medicaid) usually have it as their principal healthcare coverage. Many people also hold Medicare supplement plans covering costs not included in Medicare, and these policies can also be subject to subrogation.

Alternatively, a car crash victim can initially file claims against their Medpay coverage, provided they have this auto insurance policy. Medpay, an optional car insurance provision, covers the medical treatment expenses from car mishaps, regardless of who’s at fault. Its primary role is to fill the coverage gap between car and health insurance ensuring prompt payment of medical bills. Medpay often takes care of the deductible on a victim’s health insurance.

For instance, if your health insurance includes a $2,000 deductible and you haven’t utilized any health insurance during the year, your initial medical bills after a car accident should be sent to your Medpay provider. Without Medpay, you’ll have to handle the $2,000 deductible yourself.

If you’re unable to cover your medical bills but anticipate an insurance settlement because the car accident was someone else’s fault, you could consider a medical lien. This is an agreement where the healthcare provider will postpone debt collections, expecting payment from your potential settlement or court award.

If you are being represented by Sam & Ash Injury Law in your car accident claim, we can inform your providers about the impending personal injury lawsuit and aid in setting up a medical lien.

Submitting Insurance Claims for Medical Expenses

Following a car accident, it’s vital to file claims with your insurance companies as soon as your medical bills start coming in. The claims should cover the costs agreed upon by the insurance company.

While filing these insurance claims, remember to keep copies of all the bills, the data you’ve shared with the insurers, and any communication you’ve received from them.

In a scenario where your insurance company proposes a settlement or sends a cheque, it’s highly recommended to consult a car accident attorney before accepting the offer or signing any document. If you accept a settlement before your medical treatment is fully completed, you might find yourself paying for any further medical expenses.

If an insurance company is denying a claim that you think is rightful, or if you are uncertain about a settlement offer, it would be prudent to seek advice from a car accident lawyer from Sam & Ash Injury Law in Las Vegas. If an insurance company refuses to cover expenses that are clearly part of a valid policy, they are essentially acting in bad faith.

What If I or the Other Driver Does Not Have Car Insurance?

If you own a car, you should maintain car insurance. In Nevada, the minimum insurance required is motor vehicle liability insurance coverage worth $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage. It’s sometimes called 25/50/20 coverage.

Liability insurance pays if you injure someone else. To pay your medical bills after an accident that was your fault, you’d need health insurance or Medpay, as discussed above. The alternative is to pay out of pocket. The burden of unforeseen medical expenses from a serious accident could lead to unmanageable debt, bad credit scores, and potential garnishment of your wages.

If the other driver who caused the accident is driving uninsured, you may file a claim against your own Uninsured Motorist coverage. If you or your passengers are injured in an accident in which the at-fault driver does not have insurance or does not have enough insurance to pay all your losses, you may file a claim against your Uninsured/Underinsured Motorist (UM/UIM) coverage for your medical costs. UM coverage also applies in hit-and-run accidents if the at-fault driver is not identified.

What If You Can’t Pay Your Medical Bills

Accidents and their resulting injuries can be distressing, and the additional financial weight of medical bills can make the situation overwhelmingly tough. But it’s crucial to remember, during these difficult times, there are resources available to help you manage these costs.

Our seasoned car accident lawyers at Sam & Ash Injury Law can guide you through these options:

  • Health Insurance: Your personal health insurance can play an integral role after an accident. It’s designed to aid with the cost of medical care. However, its benefits may only become accessible after other compensatory sources have been exhausted. A lawyer from Sam & Ash Injury Law can assist you in ascertaining whether your health insurance will cover all or a fraction of your medical bills.
  • Med-pay coverage: This is an optional add-on coverage in Nevada that you may have included in your car insurance. If you have Med-pay, it can help foot your medical bills. Depending on the specifics of your policy, Med-pay may immediately kick in to cover your medical costs or may step in after your main health insurance has been utilized.
  • The Role of a Car Accident Lawyer: If you are finding it hard to pay your medical bills or are having a tough time dealing with insurance adjusters, our attorneys can step in. A Sam & Ash Injury Law lawyer can evaluate your insurance policies, handle bill submissions to insurance companies, and advocate for you to ensure insurance companies provide the coverage they owe you. Additionally, a Sam & Ash Injury Law attorney can file a personal injury lawsuit against those liable for your medical costs and other related expenditures.

When You Entrust Sam & Ash Injury Law With Your Case

By assigning Sam & Ash Injury Law to look after your case, the insurance reimbursement will typically be sent to our firm. We take care to use this amount to settle all your medical expenses. Moreover, we strive to negotiate the costs of your medical bills downwards. Once all the bills are sorted, we send you a check for the leftover portion of your settlement. This procedure alleviates your stress and eliminates any concerns about unresolved issues.

If you’ve received a check directly from an insurance company, it’s crucial to consult with a lawyer before you cash it. This ensures that you don’t accidentally accept an under-valued settlement.

What is the Timeframe for Insurance Settlements in Nevada?

Technically, in Nevada, an insurance company has 80 business days to resolve a car accident claim from the moment it’s submitted. The expected steps include:

  • Acknowledging the claim and delivering necessary instructions and paperwork to the insured within the initial 20 business days.
  • Making a decision on whether to pay the claim within the next 30 business days upon receipt of fully completed proof-of-loss forms.
  • Ensuring payment of an approved claim within another 30 business days.

Yet, this perfect 80-day plan can be delayed if the insurance company rejects the claim or suggests that the claimant hasn’t provided the required details. Interestingly, an insurer proposing an undervalued settlement within these 80 days has technically met its commitment.

For individuals with significant injuries, it’s crucial to finish all required medical treatments and have an understanding of potential future medical requirements before the overall costs can be determined.

You’re entitled to a prompt resolution of your car accident claim. The assistance of a seasoned Las Vegas lawyer guiding you through the claims process can greatly enhance your chances of receiving a complete car accident settlement.

Understanding How Medical Bills Work After a Car Accident

In summary, following an accident, getting compensation for your bills may involve these steps:

  • When you are treated at a hospital or another medical facility, medical procedures and costs may be paid by some insurers and not others. You can work with your doctors and your attorney to understand what coverage is available.
  • As you receive medical treatment during the following months, the bills for your care may be sent to the insurance companies. A Sam & Ash Injury Law attorney can help you negotiate procedure costs with doctors and care providers based on your personal injury claim and insurance policies.
  • Once you have reached maximum medical improvement, your Sam & Ash Injury Law attorney will put together a demand letter outlining the compensation you need. Your attorney can negotiate and fight for the settlement that’s right for you.
  • If a settlement is reached, a portion of the settlement goes to your medical providers, any other related bills, and attorney fees. You pocket the rest.

A Las Vegas car accident attorney at Sam & Ash Injury Law can handle every step of a personal injury claim so you don’t have to worry about how your bills will be paid. Let us take that pressure off you.

Call Sam & Ash Injury Law Now To Learn How We Can Help

If you’re dealing with medical expenses following an accident, reach out to Sam & Ash Injury Law without delay. We recognize the immense stress and burden that often follows a car mishap due to growing financial obligations. Leveraging our expertise, experience, and commitment to justice, we can assist you in obtaining the rightful compensation you’re entitled to.

Numerous Nevada residents have placed their trust in Sam & Ash Injury Law to represent them, and we’re here to support you too. Don’t hesitate to call us today or get in touch with us online for a complimentary case assessment.

How To Get Your Medical Bills Paid After an Accident
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