If you’ve suffered from an injury due to someone else’s negligence, whether it’s from a car accident, workplace incident, brain injury, or any other situation, you may be facing mounting medical bills. Handling these expenses while you recover can be overwhelming. By working with an Alabama personal injury lawyer, you can protect an insurance claim and pay your medical bills.
If you’re dealing with the aftermath of a personal injury, it’s crucial to seek legal assistance. At Belt, Bruner, & Barnett P.C., our experienced Alabama personal injury lawyers understand how to navigate the legal system to secure the compensation you rightfully deserve.
For a free, no-obligation consultation, contact us at through our online contact form.
205-933-1500
Who Pays for My Medical Expenses After a Personal Injury?
In Alabama, the party at fault is typically responsible for covering your medical expenses. This could be through their insurance coverage in cases of auto accidents, employer’s insurance for workplace injuries, or personal liability insurance for incidents like slips and falls.
Alabama requires drivers to have auto insurance with minimum coverage, but similar principles apply to other types of insurance policies related to different personal injury scenarios. If the at-fault party’s insurance isn’t enough to cover your expenses, other avenues might need to be explored.
What If the Responsible Party is Underinsured or Uninsured?
Facing an underinsured or uninsured party complicates receiving compensation for your medical bills. Whether it’s an auto accident or another personal injury case, there are strategies to pursue:
- Your Personal Health Insurance: If other insurance coverages fall short, your health insurance can serve as a backup. However, if you receive a settlement later, you might need to reimburse your health insurer.
- Your Auto or Homeowner’s Insurance: For car accidents, uninsured/underinsured motorist coverage can help. For injuries on your property, homeowner’s insurance might offer some relief.
Types of Covered Medical Bills
Typically, the at-fault party’s insurance should cover all medical care related to your injury, including but not limited to:
- Ambulance and emergency services
- Hospital and urgent care visits
- Doctor’s visits and co-pays
- Physical therapy and rehabilitation
- Surgeries and follow-up care
- Diagnostic tests (X-rays, MRIs)
- Chiropractic care
Ensure all treatments are documented and clearly linked to the injury for which you’re seeking compensation.
FAQs About Medical Bills and Personal Injury Settlements
What Types of Injuries Can Insurance Cover?
Someone’s negligent behavior can cause serious injuries that their insurance should cover. These injuries can have a significant impact on your life. Some injuries can be bad enough to require constant medical treatment or modifications to your home to allow mobility and independence.
Some examples of extreme injuries include:
Is My Pain & Suffering Separate from My Medical Bills?
In a personal injury claim, you can pursue compensation for your medical bills and other non-economic damages like pain and suffering. These damages are separate from each other, but factor into your total settlement.
Your medical bills are economic damages, calculated using records of your expenses and treatments. Your non-economic damages are challenging because they’re intangible, and every case is different. Your Alabama personal injury lawyer can help calculate your losses.
What Evidence Can Support My Injury Settlement?
To build the most compelling claim, you’ll need to collect engaging evidence. The best place to start is keeping any and all documentation about your treatment: medical bills, diagnoses, and statements from your doctors.
You can also use evidence from the accident: photos, videos, damaged property, or witness information.
How We Can Help with Your Personal Injury Claim
Getting help from an experienced personal injury firm can give your claim credence and make the insurance companies pay attention to your needs. We will help you collect evidence, calculate your case’s value, and write your demand letter. This frees you to focus on your recovery, which is our top priority.
Call an Alabama Personal Injury Lawyer
Dealing with insurance companies while recovering from an injury can be stressful. Our team at Belt, Bruner, & Barnett P.C. can take on this burden. We’ll negotiate with the at-fault party and their insurer to ensure your medical bills are addressed, whether through insurance claims or personal injury lawsuits.
Don’t navigate this challenging time alone. For personalized assistance and to explore your options, contact Belt, Bruner, & Barnett P.C. at (205) 933-1500.
