How Do I Pay for Medical Bills?
You may have health insurance, which can be used immediately, though it often includes copays and deductibles. Additionally, your own policy may offer Medical Payments (MedPay) coverage or Personal Injury Protection (PIP), which can help cover medical costs now; whether you’ll need to repay these benefits depends on your policy specifics. Of course, the at-fault driver’s insurance is also a source of compensation, though typically you won’t see that payment until settlement—sometimes six months to a year, or even longer if litigation is necessary.
Managing medical bills is one of the most challenging aspects early on. If you’re having difficulty accessing the treatment you need or covering these costs, consulting a Castle Rock car accident attorney may be essential to ensure you receive the necessary support. Contact us today.
When Do I Need To Seek Emergency Treatment?
Not everyone needs an immediate trip to the hospital or urgent care after an accident, but that doesn’t mean you shouldn’t get a thorough assessment. While some people turn to their primary care doctor, it’s common for primary care physicians to decline car crash cases, as they prefer to avoid issues involving insurance companies, attorneys, and uncertain payment schedules. This is where chiropractors who specialize in treating car crash injuries can be a valuable resource.
I recommend finding a chiropractor experienced in car accident injuries, particularly those skilled in assessing whiplash and other common car crash impacts. Chiropractors provide a full head-to-toe assessment and can also recommend other treatments, like acupuncture or physical therapy, and refer you to specialists for specific injuries, such as shoulder or knee issues. A chiropractor familiar with car crash injuries will also be knowledgeable about handling coverage options you might have, like Medical Payments (MedPay) or Personal Injury Protection (PIP).
So, even if you don’t need the emergency room or urgent care, a chiropractor who specializes in car crash injuries is a smart choice to ensure you’re thoroughly checked out.
What If I Need Future Treatment or Have a Permanent Injury?
You can’t be compensated for an injury without proper documentation. First, ensure that your medical records accurately reflect the full extent of your injury and any anticipated future needs. Many doctors may not automatically include opinions about causation (what caused the injury) or impairment (how the injury affects your abilities), as their focus is on providing treatment. For these details, you may need to follow up with your doctor to add the necessary information that will support your case with the insurance company, ensuring that you’re fairly compensated for all aspects of your injury.
If you’re likely to need future medical treatment, this is something you can discuss with the insurance adjuster. Adjusters are often willing to consider some amount for future medical needs as part of the settlement to close the case. They may offer an additional amount, such as $2,500, for future treatment—but it’s essential to clarify how this will work. Confirm that, if you need more sessions than anticipated, they’ll still cover them, so you don’t find yourself unable to access the treatment later.
Be sure to get clear answers you can rely on regarding any agreement for future treatment. If you have doubts, consider waiting to settle until you’re confident about your needs. Taking these steps can ensure you’re fully covered for both present and future care.
What About Lost Wages?
If you’re unable to work due to an injury, the immediate question is, how will you get by? For short absences, many people can rely on PTO, vacation, or sick time to cover a few days. If you expect to be out longer, talk to your employer about options like FMLA (Family and Medical Leave Act) or short-term disability. Keep in mind that FMLA provides job protection but doesn’t cover lost wages, while short-term disability is typically an insurance benefit you must already have in place.
When it’s time to settle your claim with the insurance company, lost wages are absolutely part of the compensation you should pursue. You’ll need documentation from your employer, such as pay stubs, to show the missed time. Even if you were paid through PTO, that time off is still a loss and should be compensated in your settlement.
How Do I Know If I Am Being Treated Fairly? What’s My Case Worth?
The number one question everyone asks—and it’s the most important—is, “How do I know if I’m being treated fairly?” No one wants to feel taken advantage of, whether by an insurance company or an attorney. You’re simply looking for reasonable, fair compensation for both your current and future needs. But how can you be sure that’s what you’re getting?
To determine if your compensation is fair, first ensure that you’ve documented all of your damages—both economic and non-economic. Economic damages include medical bills, lost wages, and any out-of-pocket expenses. Non-economic damages cover areas like pain and suffering, impairment, and disfigurement (even minor scarring can count). Insurance companies consider all of these elements, but only if you provide solid documentation.
You may need to follow up with your doctor for a detailed statement about your condition, lingering issues, or potential future needs. Visual evidence is also crucial: take photos throughout your recovery, especially if you have visible injuries like severe bruising or scarring. Capturing the progression of your recovery can help demonstrate the impact of your injuries.
Finally, if you’re still uncertain about the fairness of your claim, consider a free consultation with a car accident lawyer in Castle Rock. Speaking directly with a licensed attorney—not an intake person or paralegal—will give you a professional opinion based on your specific information. Our reliable car accident attorneys in Castle Rock will take the time to review your case and provide feedback without charge, helping you feel confident about your next steps.