Posts tagged with 'insurance'

If I’ve been hurt, when should I talk to a lawyer?

In the aftermath of a car crash, things can get hectic. Between dealing with the police, worrying about your injuries, wondering if you can afford the medical costs, and dealing with the possibility of not being able to return to work, you have a lot to think about. Not only that, but also all the other concerns and worries you have in your daily life don’t just go away because you’ve been injured. Getting hurt can often amplify your problems and make your life much more stressful.

In all that confusion, stress, and chaos, it’s no wonder that many people wait far too long before they speak to a personal injury attorney after they’ve been hurt. If you are wondering when you need to speak to a lawyer after being injured, the reality is that you cannot do it soon enough.

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Will I Have To Pay Back My Medical Insurance

Most automobile accident insurance policies provide med pay. Medpay covers the cost of your medical bills incident to a car accident whether or not you are at fault. The typical medpay provision will cover up to $5,000 of medical bills including ambulance, emergency room, medications, physician billings, chiropractic treatment and medical supplies as long as they are related to your vehicle collision.
Most medpay contracts indicate that if you recover monies from the other drivers insurance company for pain and suffering, you must reimburse your own insurance company.

As an example, assume that your company, ABC Insurance company pays out $5,000.00 to your medical providers incident to the subject accident. Then, you recover $100,000.00 against the other drivers insurance carrier, DEF, Insurance company. You must reimburse your own company ABC Insurance $5,000.00 out of the $100,000.00 you received from DEF Insurance Company.

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Do You Have a Valid Injury Claim?

Posted on December 5, 2012

Do You Have a Valid Injury Claim?

If you have been injured in a car accident and wish to seek damages from the other driver, you must first determine if your claim is valid. There are many factors that can both predict, and affect, the validity of potential claims, and an experienced personal injury attorney can help you identify and purse those in an efficient and effective manner.

As a rule of thumb, it is vital to contact your insurance company, the police, and if applicable, the department of motor vehicles (DMV) immediately following an accident in which you sustained an injury. State-level rules vary in terms of the time frame within which they allow accident victims to report a crash. If you fail to report your accident within the allotted time, you may severely limit your ability to seek damages for your injuries.

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