If you are injured in a Seattle car accident while riding as a passenger, you have many options for recovery but probably have many questions.
Who is at fault for the car accident and whose insurance can I go after?
Determining who is at fault for the car accident is the first step to determining who will pay for your injuries. If your driver is at fault for the car accident, you can go after their insurance policy to pay for your medical bills, lost wages, and pain and suffering – even if they are related to you.
This is a good benefit that some people do not take advantage of because of fear that the family member or friend will have to pay this amount. This could not be further from the truth. The insurance company may pay you $10,000 or more and the family member or friend will not have to pay a penny of this amount. The worst that could happen is if their insurance premiums go up a few dollars per month, in most situations.
If another car is at fault, passengers injured in a car accident can go after the person that hit their driver’s car directly. Passengers are entitled to pain and suffering, medical bill compensation, and lost wages, among other possible damages. People that are responsible for your injuries will not pay for your medical bills up front, unless you are going after the driver of your car and they have PIP insurance. However, it is a good idea to not settle your case until you are fully healed. This means that you must find another way to pay for your medical bills right now until you are healed.
Who will pay for the passenger’s medical bills now though?
Personal injury protection (PIP) is an auto insurance policy that pays for medical bills and lost wages while you are awaiting a settlement from the responsible party. PIP is available to passengers under the driver of the car’s auto policy if the driver has paid for PIP insurance. Additionally, you can use your own auto insurance policy PIP to cover your injuries if there is no other PIP available to you or you have exhausted it all from the other policy.
Another option to cover your medical bills right now is your own medical insurance. Medical insurance will deny the claim at first unless they know no other medical coverage is available to pay for your bills. Medical insurance generally doesn’t cover massage bills and usually has limited chiropractic allowance.
A third option is to pay on a lien to medical providers. Most physical therapists, chiropractors, and massage therapists will allow you to pay them back out of the settlement. However, most if not all of these places will require you to have a personal injury lawyer representing you to accept this arrangement so that they can guarantee through the car accident injury lawyer that they are paid.
How long will it take to get a good settlement?
Contrary to some thinking, hiring a personal injury lawyer does not mean filing a lawsuit in most cases. In fact, most cases can be settled within 2-3 months of an injured person being discharged from treatment and feeling 100% again.
Additionally, hiring a Seattle personal injury lawyer is not super costly and in most instances gets you more money than you could on your own even after a lawyer’s fee is taken account of. Seattle car accident injury lawyers are paid out of the settlement so you never have to pay them out of pocket. Call today for a free consultation.