Whether you were the driver of the truck or the driver of another car involved in an accident with a trucker, these types of accidents can be devastating. There are often serious injuries and lots of damages that take place. All of this can add up when you start seeing the bills come in, but there is hope. If you’re in the middle of an insurance claim or a truck accident lawsuit, you do have some other options for paying those medical bills.
Personal Health Insurance Coverage
If you are fortunate enough to have good health insurance, you can typically seek compensation from your insurer. In many cases, a health insurer will place a lien on your truck accident case to get reimbursed after you receive your settlement. The reimbursement comes straight out of your settlement before you see any of the money, so you never have to worry about paying the health insurer back on your own.
Workers’ Compensation
If you were hit by a big truck while running an errand for work, you may be able to claim workers’ compensation for the injuries. Most workers in the nation are entitled to this coverage, so it’s something you should speak to your employer about after your accident.
Personal Injury Protection
As a part of your own auto insurance coverage, you may have what is called personal injury protection (PIP). PIP is intended to pay for medical bills resulting from car accidents, though the compensation ends at a certain amount. It is first-come, first-served for medical providers, so whichever bills are sent first will get paid through PIP. Once it reaches the limit, it’s no longer an option.
Medicaid or Medicare
The government offers certain assistance programs to help those who qualify at a certain level of income. Medicaid and Medicare are two of those programs. You’ll typically have to exhaust PIP coverage before these programs step in to help, so be sure you have worked through that before turning to Medicaid or Medicare.
Hold Agreement
Some healthcare providers will enter into something known as a hold agreement. These agreements are meant to keep you out of collections until after your claim is settled. Entering into a hold agreement gives you a chance to pay the bills before the creditors come knocking.
Receiving Legal Assistance
After being injured in a truck accident, you can benefit from legal assistance. Contact a truck accident lawyer, like a truck accident lawyer in MD, today to get started with your case.
Thanks to The Law Firm of Frederick J. Brynn, P.C. for their insight into paying bills after being in a truck accident.