After an accident, you may have medical costs associated with the initial accident as well as your recovery. What most victims do not realize is how quickly those costs add up – leaving most victims to accept lower settlements and be left with the additional costs.
Whether you were just in an accident or your accident occurred a few weeks ago, it is important that you accurately estimate your medical expenses. It is always best you consult with a personal injury attorney for a calculation of your medical costs – and also to explore your options for covering those medical bills while you are waiting to negotiate a settlement with the insurance company.
Common Medical Costs Associated with Car Accidents
There are short-term and long-term medical costs that you may not be prepared for after your accident. Some of these include:
- Hospital Costs – Immediately after your accident, you may be transported to the hospital. Here you will encounter medical tests, blood work, and higher physician fees. If you are admitted overnight, then you will have outrageous charges, which can amount into the thousands.
- Prescription Costs – Prescription medications for your injuries, including antibiotics, pain killers and more, will add up over time. You could easily spend a few hundred dollars in prescription medication costs alone.
- Follow Up Medical Costs –Afteryou have left the hospital, you will have follow up medical costs – such as appointments with your family physician or even return appointments to the hospital to meet with the original treating physician.
- Additional Lab Costs – You may have to pay for additional lab work and diagnostic tests to further assess how the accident has impacted you, but also to monitor how well your existing treatment is working and if any adjustments are needed.
- Chiropractic Care – If you have to visit a chiropractor for your accident injuries, you will encounter additional costs associated with that professional’s treatments and care.
- Rehabilitative Care – Some car accident victims will also need physical therapy or another form of rehabilitative care in order to cope with their injuries and be able to return to work.
- Psychiatric Care – Car accidents are extremely traumatic. For some victims, the emotional trauma associated with their car accident can lead to post traumatic stress disorder, which often requires psychiatric care and intervention. Because it is from the accident, it is another cost that the victim will have to pay out of pocket until a settlement is reached.
Who Pays for These Medical Costs?
Initially, a victim will have to use their PIP insurance. But, since most policies max out at $10,000, the victim will have to sue the other driver for any remaining medical costs. If hospitalized, the $10,000 will be quickly depleted.
While waiting for a settlement, the accident victim will have to pay for these expenses out of pocket. Some hospitals will hold billing if they know that the victim has an insurance settlement or lawsuit settlement pending, but most will require down payments and monthly installment payments until the remainder can be paid off using that settlement.
Injured in an Auto Accident? Contact an Accident Attorney
If you or a loved one was injured in an auto accident, then you may be feeling overwhelmed with endless medical costs. Do not assume that you have to pay for these; instead, contact an auto accident attorney in Miami FL.