Any car accident, no matter how minor, can be expensive. When an wreck causes an injury, the cost can skyrocket to astronomical heights. If you were hurt in a vehicle wreck, a car collision attorney could help. Even with insurance, medical costs coverage from Jersey County car accidents can be difficult to pay.
Co-pays and deductibles can be expensive and overwhelm most people’s finances, and people with no insurance have an even harder time as medical bills can rise to thousands of dollars. If you are wondering how to pay costs of a local vehicle crash, contact our office today.
Insurance Coverage in Vehicle Crashes
People hurt in Jersey County car wrecks could demand the liable driver to pay all the resulting medical costs in a collision. If several people share fault in the accident, the principle of comparative negligence divides the compensation responsible parties pay to the plaintiff.
Someone could seek compensation to cover their expenses in three different ways: make a first-party claim with their own insurance company, third-party claims against the at-fault driver’s insurance company, and civil lawsuits against the at-fault driver, their employer, or their families.
First Party Claims
First-party claims can provide different benefits, depending on the policy. Some of these include medical payments coverage and collision coverage. Medical payment coverage (MedPay) covers health care expenses, like hospital bills and medical prescriptions, up to the policy limit. Anything above the limit comes out of the plaintiff’s pocket. First-party claims also include collision coverage. Collision coverage pays to repair vehicle damages or to replace a vehicle completely.
If another driver is at fault, the claimant’s insurance may pursue the at-fault driver’s insurance company for reimbursement. When insurance companies do this, it is called subrogation. Depending on the claim, a hurt person may never recover all the compensation they need. If someone’s first-party claim turns into a subrogation, they may need an attorney to negotiate on their behalf.
If the accident has third-party driver at fault, someone could file a claim with their insurance company. A claimant needs an injury claim attorney to help them make their stance. Insurance companies have lawyers ready to challenge any claims. If someone tries to pursue their claim without an experienced legal team, they are unlikely to receive any compensation. Third-party claims could also cover medical expenses and vehicle repair costs.
Civil Lawsuits against the At-Fault Driver
Car wreck lawsuits typically have a two-year statute of limitations. There are special circumstances that can extend the time someone has to file. An experienced attorney understands which laws and regulations can affect someone’s lawsuit. This understanding could help an injured person be awarded full compensation.
In most cases, someone files civil lawsuits against the at-fault driver if they do not have an insurance policy. The claimant will recover damages from their assets. This is a complex process that is more time-consuming and difficult compared to recovering from an insurance company.
Uninsured Motorist Claims in Jersey County
Rather than filing a lawsuit to seize the at-fault driver’s assets, a plaintiff can consider an uninsured motorist claim with their own insurance company. A claimant’s insurance company could pay any damages up to its uninsured motorist policy limit. Uninsured motorist protection could also help someone receive compensation in hit-and-run cases where the at-fault driver is unknown. People must have coverage on the day of the injury for their medical bills to be compensated in Jersey County.
Contact an Attorney about Medical Costs Coverage from Jersey County Car Accidents Today
Being involved in a car collision can result in hefty expenses, even for people with good health and automobile insurance. If you want to learn more about how to pay for medical costs coverage from Jersey County car accidents, a knowledgeable lawyer could help. Contact our office today to learn more about your legal and financial options following a crash.