Alabama Automobile Injury Attorneys – Getting spoiled!!! You hear the sound of metal breaking. Your body is surrounded by the interior of your car. What is happening? In the blink of an eye, another driver ran a red light and hit you. Hours and days after the injury, you begin to feel a lot of pain. You are worried about your health and your future. Now, you’re dealing with pain, medical care, and bills. Today, I want to talk about these medical bills and a common problem in most car accident cases in Alabama.
When you see a doctor, it’s easy to tell him to just pay the other driver’s car insurance company. After all, the other driver was to blame. That reckless driver’s insurance company should pay his bills! Although this seems reasonable, it is wrong. It’s a mistake to ask your medical providers to bill your car insurance. It is a mistake made by many accident victims. It’s a mistake often promoted by insurance adjusters and even billboard lawyers who don’t care about you! This can have a big impact on your accident claim.
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Alabama Automobile Injury Attorneys
It’s an easy mistake to make. First, the other driver must pay. Second, many are changing the way you think you should submit your bills. Many changes suggest that the insurance company will pay your medical bills as they are incurred. Remember, these editors are just trying to get information from you.
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DO NOT tell the doctor’s office to pay for the other driver’s car insurance. It is a mistake. You should ask your treating doctors to cover your health insurer. If you don’t have health insurance, you still have other options. I’ve written about some of the other options in previous articles on this blog. Here are five reasons why it’s wrong to tell doctors’ offices to pay for the other driver’s car insurance:
I hear a story almost every week. The caller said he was in an accident and spoke to another insurance driver. The translator meant that the guilty insurance company would pay the medical bills. Often, the translator would say that the injured party only needed to sign a liability waiver allowing the insurance company to receive the claims. That’s right! Although the translator claims he just wants to take care of his medical bills, the truth is very different. Basically, the adjuster wants to investigate the claim by digging up your health records as quickly as possible.
In a car accident report, the responsible insurance company usually wants a one-time payment. They pay a certain amount and you sign a release giving up your claim. They won’t pay off all their debts like they did.
The editor wants you to think differently so they can start the investigation. If you fall for the organizer’s false promises or false results, they will delay your attention. This can harm you in the long run. This can leave you stuck in debt. How should you proceed with your treatment? If you have health insurance, use it.
Things To Do After A Car Accident In Alabama
In Alabama, personal injury cases can take a long time. I know, we have lawyers on television shouting that they will get a quick settlement. These lawyers are making millions. Typically, faster means lower resolution levels. If you have serious injuries, their accommodation is usually not for you.
Instead, you must complete your medical care. Only then will you know the extent of your risks. I have seen many people over the years who thought they survived the first few days after an accident, but their injuries turned out to be permanent. You need to hire an attorney who understands the issues and works to build your case. Medical conditions and problems can be difficult. This takes time. You don’t need the delays that occur when doctors aren’t paid. When you tell a medical clinic to pay someone outside of your health insurance, you could be causing a delay in payment.
This is not just your case. Bad debt affects your credit score. Additionally, collection agencies are often involved.
Your health insurance premiums. Continue with your medication. Protect yourself against delays in treatment as well as other problems with unpaid bills.
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Most health insurance policies have an enrollment deadline. If you tell your doctor to pay the responsible auto insurance company and the claim takes a long time to settle, the bill could remain unpaid for months or longer. You run the risk of debts that remain unpaid for a long time. At some point, health insurance won’t have to pay.
If you’ve ever seen a hospital bill, you’ve probably experienced “sticker panic.” Many people do this. Your health insurance usually has a negotiated rate or payment schedule. In other words, they pay less than the sticker price to settle the charge.
How does this affect you? I will explain using the example of a seized hospital. He was injured in a car accident. You go to the hospital. You are welcome and receive very wide attention. You have a $100,000 bill. If you have regular health insurance, your insurer will cover the bill for a much lower amount. Maybe health insurance will only pay half and the debt will be paid off. Years ago, hospitals would waive health insurance and bill you directly for the full $100,000 bill. But, recent Alabama law now requires hospitals to pay for health insurance if you have it. After being in the hospital, you are fine. You finally resolve your claim. Your payment will be used to pay bills – but $50,000 in health insurance is a lot less than $100,000 in hospital. You pay a small amount of your copay to medical providers. This means you save a lot of money to pay!
Settlement lawyers ignore this issue. But it’s important. You want to get the largest settlement possible for your claim. Plus, you want to save as much as possible!
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I mentioned earlier that your health insurance has negotiated discounts on medical bills. If you use health insurance, it has an advanced way of handling medical bills that includes reduced payments to satisfy them. This is for your own good. Speeds up the maintenance process. Stops debt collectors from harassing you. And it offers the best payment for your service. Why ignore this benefit and create problems with payments? If you (or your employer) paid for health insurance, use it. It’s for your own good.
We are Alabama accident and injury lawyers who help people across the country. We approach each case with the philosophy of working hard to maximize the compensation obtained for each client. If you have questions about personal injury in Alabama, please let us know. We are happy to discuss your problems. Each consultation with our lawyers is free and confidential. Although people use the phrase injury delay, these are the real and serious risks that people feel during a car accident. They are very real. In the days and weeks following a serious injury, those injuries begin to take their toll on the victim. Accidental injuries are those that you don’t notice until a few minutes or hours after the accident.
If you’re an Alabama football fan, you may have heard the story of Coach Bryant playing against Tennessee with a broken leg. It’s a story that increases Coach Bryant’s resilience. Of course, it’s an added bonus that the game involves one of Alabama’s biggest teams. Outside of Coach Bryant, sports fans have seen many players play or compete despite serious injuries.
We consider such resistance a “problem”. This could be a lot. But other issues are also involved. A competitive athlete may feel a rush of adrenaline that masks the pain. A competitive athlete may become distracted by an injury due to their focus on the game.
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A few years ago, ABC published a news story about athletes and injuries. This article begins with the story of a sports photographer who continued to take photos even after being stabbed with a spear. I think it was a pretty good sight to have a photographer holding a spear to his leg. He was quoted as saying that it didn’t hurt much at the time! That is another matter of fact. I bet it hurt the next morning!
Why do we experience persistent pain or discomfort after a car accident? Most of our clients who have been injured in car accidents in Huntsville tell us that they felt great after the accident and woke up the next morning in a lot of pain. Danger signals can be delayed for several reasons.
Fear and Adrenaline. The minutes after a car accident can be scary. Suddenly the cars go out of control. A serious accident occurs. It moves. Slowly, you try to figure out what happened and if you’re okay. You may not realize this now. But fear and adrenaline are often accompanied by sudden trauma. People often refer to this as fight or flight mode. This can mask the pain you feel. There is no fear
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