If you are involved in a car crash, one of the first things you might think about is how you’re going to afford to pay for the care you need. Even though you should be thinking about your health and wellness first, the reality is that the price tag on that care can be high.
Many accident victims are left asking how they’re going to be able to afford their care, and that’s a reasonable question to ask. Fortunately, there are multiple ways for you to access the funds you need to cover the medical care you’ll receive.
Your health insurance should cover your medical care
To start with, if you have health insurance, then that insurance should kick in to help cover some amount of your medical care. You may be left with out-of-network expenses or the deductible, but a large portion of your care may be covered.
For uninsured or underinsured drivers, your car insurance may step in to help
If you carry uninsured or underinsured motorist insurance, then you may be able to get coverage for your medical costs that way, too. If the other driver wasn’t insured, you may ask that your own car insurance covers your medical costs up to your policy limit.
You can ask the other driver’s insurance to cover your losses
When a driver does have insurance, you can reach out and ask that their insurance covers your injuries and financial losses through a personal injury claim. Sometimes, these companies will provide coverage that is fair and issue a settlement offer that is enough to cover your losses and the support you’ll need in the future. Other times, you may need to negotiate or take the case to court to get what you need.
You can sue the at-fault driver
You also have the option of suing the at-fault driver directly if they don’t have insurance or are lacking sufficient coverage.
There are many ways to cover your financial losses following a car crash. Don’t delay in getting the medical care that you need due to financial concerns. The at-fault driver should be held liable for any damages caused.