Medical Bills from NJ Auto Accident Cases
After a serious automobile accident, many people end up with medical bills that they cannot afford to pay. Emergency room visits, extended hospital stays, surgeries, and therapy sessions all place a significant financial strain on injured victims.
As we pursue your case, the experience New Jersey car accident lawyers at Clark Law Firm, PC can help with coordination of medical benefits offered by your insurance provider, your own auto insurance medical payments coverage, and the liability insurance of the person responsible for your injuries.
The timing and selection of which medical bills to submit to which insurance companies can be crucial to the financial outcome of any serious NJ auto accident case. The net result of any recovery may be greatly increased simply by managing these submissions properly.
Improper handling of these matters can also have a dramatic effect on a person’s credit rating. Medical providers will threaten to turn these bills over to collection, and collection agencies will, after a certain period of time, report delinquent medical bills to the three major credit reporting agencies.
Another common issue that crops up in most NJ automotive accident cases (and, for that matter, most personal injury cases) has to do with a medical lien. Most healthcare providers take the position that they are entitled to a portion of the injured person’s recovery in order to reimburse them for the amount that they (the healthcare provider) have paid for medical care. Not all of these claims are valid, and it is important to have an experienced attorney analyze them. In many situations there is no justification for a lien at all, and in other situations it can be significantly reduced. This is a rather complex area of the law, and it requires the attention of a skilled NJ personal injury attorney. The NJ car accident attorneys at Clark Law Firm, PC deal with medical liens on an everyday basis, and we have the experience necessary to stand up for your rights against the health insurance industry.
Uninsured / Underinsured Motorist Coverage
If the driver who hit you has no insurance or is underinsured, you may be able to pursue a claim against your own insurance company under a UM or UIM endorsement. Although the insurance company may have an obligation to pay benefits, the process is often difficult, and claims are frequently underpaid, delayed, or wrongfully denied. Get an experienced NJ car accident lawyer to stand up for your rights: contact us today at 877-841-8855 for a free consultation.