In a Seattle car accident injury case, the defendant will not pay for your medical bills until you settle with them. You don’t want to settle with them until you have gone through 100% of your treatment and are back to normal. The question remains then, how do you pay for your medical treatment up front until you get your settlement?
There are many ways to pay for your medical bills while you are waiting to settle with the insurance company for the person that caused the car accident. This includes PIP insurance, medical insurance, cash, and paying on a lien.
You can pay for your medical treatment immediately if you have personal injury protection on your car insurance policy. This is a great insurance policy to have and should not be skipped over. Some people may think that their medical insurance will pay for their medical bills so they don’t need to pay extra for personal injury protection insurance. However, most medical insurance policies will not cover car accident injuries without a lawyer showing that there is no other way to pay for the medical treatment you need. Additionally, your medical insurance probably will not pay for chiropractic adjustments and massages, which are great to help her ripple heal faster from a car accident.
The best thing about PIP is that you don’t need a referral for PIP to pay and they will cover just about every medical treatment procedure or treatment that you need from car accident related injuries. This includes ambulance bills, hospital, massage, doctors visits, chiropractors, acupuncture, physical therapy, surgery, X-rays, MRI’s, and more. PIP will even pay for your lost wages, baby sitting, child care, and landscaping or housekeeping if you can’t do it but used to before.
Medical insurance will cover some bills such as hospital bills, physical therapy, ambulance bills. However, most medical insurance policies will not cover chiropractic or massage therapy. Additionally, they may be reluctant to cover any bills if they are related to a car accident and you don’t have an attorney. This is because they believe the defendant who caused the car accident will pay or other insurance is primary. However, if you can show you have exhausted your PIP insurance and have no other way to pay right now, so long as your policy covers the treatment normally, it will be covered.
Getting medical treatment on a lien is available to most people who are injured in a car accident and have a lawyer representing them. This is because most medical providers are reluctant to provide treatment to people injured in car accidents with a promise to pay them back out of the settlement alone. Most will trust a lawyer to sign a lien and guarantee payment out of the settlement. This is a good alternative to paying out of pocket and not getting the treatment that you need.
If you are injured in a car accident, you need a Seattle personal injury lawyer to represent you now. Consultations are free and car accident injury lawyers are paid out of the settlement. Therefore, everyone can afford a Seattle personal injury lawyer but you can’t afford not to have one against the insurance companies in a car accident injury case.