Is professional medical and legal guidance after a car accident affordable?
Determining who is at fault, who is responsible for damages, and how will medical expenses be covered after a car accident are common questions for all accident injury victims.
Often, many injured victims avoid medical treatment and legal counsel due to personal financial restrictions.
You don’t have to bypass professional car accident help after a collision; there are various options available that lessen or even eliminate financial burdens.
Factors that play into your automobile accident case include:
- Who’s was at fault in the accident
- The type of auto-insurance the involved parties carry
- The payment options offered by the health care facilities
- The damages lost and injuries sustained after an accident
- Attorney fees (many works on a contingent-fee basis)
Insurance Coverage and Medical Treatment
After being involved in a collision, the first and most important thing you should do is seek professional health care. If you were injured in an accident that wasn’t your fault, the responsible party would be liable to cover the damages caused, including your medical expenses.
At Arrowhead Chiropractic Clinics we go after the responsible parties’ insurance, not you.
Your medical treatments would be covered by the negligent driver’s bodily injury liability coverage. This applied when the other driver was found at fault for the wreck.
Other types of Insurance Coverage:
- Personal Injury Protection (PIP), also called “no-fault insurance.”
Unlike liability, PIP insurance will pay for your medical costs, up to the policy’s limits, even if you were at fault.
- Medical Payments Coverage, which pays for medical expenses regardless of fault.
This policy is similar to PIP insurance; however, unlike PIP it does not cover lost income, funeral expenses and loss of services; medical payment only covers medical bills
- Uninsured/underinsured motorist coverage, which pays your bodily injury expenses if you’ve been:
- The victim of a hit and run accident
- Hit by a driver who possesses no insurance or limits that don’t meet your expenses
Arrowhead Chiropractic Clinics offer walk-in and same day appointments.
Our auto accident specialists are available to answer any questions 24/7, or drop into one of our local clinics; we offer free consultations and affordable treatment options.
Damages in a Car Accident Injury Cases
The “damages” in a personal injury case refer to the cost of your injuries.
The following are considered along with the injuries suffered in an accident:
- Direct financial costs
- Emotional and indirect costs
The most common damages in an auto accident are Compensatory Damages. They include the following:
Specific Damages- This refers to the particularly valued amounts related to accident- related injuries or loss.
- Cost of medical bills
- Lost wages
- Loss of earning capacity
- Property loss
General Damages- These damages are those that do not have easily calculated dollar amount and are subjective.
- Pain and suffering
- Emotional distress
- Inability to have children as a result of accident-related injuries
- Loss of extremity
- Loss of consortium, if the accident caused a strain on your relationship
If the defendant was notably careless when causing the accident, you may also be awarded punitive damages, which are meant to punish the defendant, and are imposed by the court.
Seeking legal representation after a personal injury auto accident
Hiring a personal injury attorney to represent you after a car accident means you will have a professional working for you- one who is extremely educated about the statues and regulations that affect your case.
A lawyer is exceptionally skilled in obtaining the necessary evidence to support your claim, including gathering police reports, witness statements, medical records and bills, and employment and lost wage information. All of this is essential in proving your injuries and achieving financial compensation for your lost damages.
An attorney can file a lawsuit on your behalf and will know how to mitigate best any possible defenses raised by the other side.
Additionally, once your case gets moving, your lawyer will play an essential role in preparing your case for trial and even going to trial if negotiations fall or a settlement can’t be reached.
Even though the chances of a case going to trial are rare, the threat of legal action offers substantial leverage when reaching a fair settlement.
Lastly, and most importantly, having a lawyer who is informed and experienced about the law gives your case a standing chance on the playing field, especially when you are going up the vast resources of insurance companies and the defenses played against your case.
At Arrowhead Chiropractic Clinics we can refer you to the best personal injury attorneys whose best interest is to get you back to a healthy standing and protect your rights.
These trusted lawyers don’t charge huge fees and work off a contingency basis meaning they only get paid if there is a satisfactory resolution to your claim.
Our injury doctors and the attorneys we refer too have dealt with all types of accident claims and a variety of insurance companies; we make sure your side of the story is accurately detailed and represented and you are compensated for all of your losses.