When you’re injured in a car accident, the liable party should be held responsible for any damages that occur as a result of the accident. An automobile accident law firm’s work isn’t limited to getting you appropriate compensation for the property that was damaged in an accident; they can also help you claim compensation for any related medical bills. If you were recently involved in a car accident, these are some things you should know that may help you decide if you need a car accident injury lawyer.
Who pays your medical bills after an accident?
As a general rule, you are responsible for paying any medical bills related to a car accident, even if you were not at fault. Car insurance policies may offer “med pay coverage” or “bodily injury coverage”, which pays some of the medical bills of injured drivers, but the extent of this coverage is limited and some drivers are not required to have it. In Louisiana, coverage requirements of $15,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle is required. If the guilty driver does not have med pay coverage or your medical expenses exceed their med pay policy limit, you will need to use your health insurance benefits to cover immediate medical expenses. If you don’t have health care coverage, you may have to pay your medical bills out of pocket.
Although you are responsible for paying your medical bills to start, you can include your current and future medical bills as damages in a personal injury claim that’s related to the accident. The personal injury settlement you receive after your claim has been accepted can be used to pay off any ongoing medical expenses. This is why it’s important to have an automobile accident law firm by your side during the personal injury claims process, as they will help you build a strong case that can help you win a fair settlement from the guilty driver or their insurance company.
Is Louisiana a no-fault state for auto insurance?
All states handle the car accident insurance claims process based on their own laws and policies. Louisiana is a fault state, meaning the laws in this state deem the driver who was legally at fault responsible for any injuries or property damage. Therefore the innocent party holds the right to claim compensation from the at-fault driver. Compensation can be claimed by filing through either party’s insurance company or a personal injury lawsuit.