Medical Bills After Auto Accidents
Attorneys Providing Valuable Legal Advice in Schuylkill County
At The Law Offices of Anthony Urban, P.C., our Schuylkill County legal team helps injured individuals to navigate the complexities of their medical bills after an accident.
If you or a loved one has recently been injured in a motor vehicle accident, we can help you fight for your right to fair and just compensation so that you can achieve the best possible recovery.
We work to recover compensation for the following medical bills:
- Emergency room bills
- Hospital bills
- Doctor bills
- Rehabilitation bills
- Physical therapy bills
- Medication costs
- And other reasonable and relevant expenses
The Basics of Pennsylvania Auto Insurance Coverage
If you are injured in an accident involving the operation of a motor vehicle, common sense may lead you to believe that the party responsible for the accident must pay for all of the treatment of your injuries. Unfortunately, this isn’t always the case.
In Pennsylvania, the law requires all owners of motor vehicles to maintain financial responsibility (aka insurance) including a minimum of $5,000 in PIP (Personal Injury Protection) first-party no-fault medical benefits. Some policies offer even more benefits to ensure further protections.
Since you are required to have auto insurance, this means that medical payments must first be sought and exhausted from your own auto policy or the policy of any relative living in your household who owns a motor vehicle.
If your accident was caused by someone else, your insurance doesn’t cover the full cost of your medical expenses, and the at-fault driver possesses bodily injury liability coverage (which is a requirement in the state, though many people illegally drive without insurance), you can file a claim against the motorist’s insurance policy to receive additional coverage.
However, how medical bills are paid can be tricky to determine on your own without the assistance of a skilled legal professional. Some medical bills are paid at “trauma” rates whereas other medical bills may be paid at reduced Act 6 rates, for instance. For this reason, it is important to review medical bills with your lawyer before accepting any insurance settlements to ensure you are getting the full compensation you deserve.
Uninsured Vehicle & Passenger Accidents
If you own a registered but uninsured vehicle at the time of the accident, you may not be eligible for any PIP benefits. On the other hand, if you do not own a vehicle and you were an occupant (passenger) inside a vehicle involved in the accident, you may still be able to collect benefits.
Regardless of whether the driver of the vehicle you were in was at fault, you may be able to obtain PIP benefits from the insurance policy covering the vehicle in which you were an occupant. You may also be eligible for benefits under the assigned claims risk plan in Pennsylvania.
If you were a pedestrian the same rationale applies—you must pursue PIP benefits from any "household" policy first and if none, seek PIP benefits from the policy covering the striking vehicle.
This rationale works for most auto cases, however motorcycles may not be considered motor vehicles and thus motorcycle owners may not be required to carry PIP benefits, even though some policies may offer such medical benefits. For this reason, it is always a good idea to check the applicable policies for PIP coverage.
Providing Valuable Legal Advice
We understand how difficult these situations can be, especially if you have suffered serious injuries in an accident and are trying to heal from them. This is where having a Schuylkill County injury lawyer to represent you can help you immensely. You must thoroughly review everything that you are asked to sign so that you do not mistakenly waive any claims or release claims unknowingly.
Speak with a lawyer at our firm today during a consultation to discuss your options. Call us now at (888) 268-0023 to make an appointment.
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"I was awarded a settlement that I am very happy with. Thank You Urban Law. Highly recommend it to everyone needing an Attorney."David Wetzel
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