When you get hurt in a car accident due to someone else’s negligence, worrying about how to pay your medical bills shouldn’t have to be your first concern – putting your life back together should be. Our law firm can help.
When our personal injury law firm is retained to pursue your case, we access all possible sources of insurance to get your medical bills paid. Depending on several factors, there is an array of alternatives to paying medical bills out of your own pocket.
No-Fault Insurance for Car Accidents
In New York State (and many others), car owners are required by law to have no-fault insurance. No-fault insurance pays for medical bills related to treatment of injuries suffered in a car accident, regardless of which party was at fault for the collision. As the victim injured in a car accident, no-fault insurance does not require you to obtain referrals from primary-care physicians. And you will not need to pay co-payments or deductibles.
No-fault insurance is designed to make it easy for you, the victim, to get the best possible medical care you can find, without having to worry about the usual hardships associated with the insurance maze of red tape. There are, however, strict requirements concerning the manner in which you must file your application for no-fault benefits. There is a very short time limit to file for no-fault benefits as well. Our personal injury law firm can guide you through the process, step by step, as we have done before with so many of our prior injury clients.
Of course, the insurance of the parties at fault for your injuries may pay for your medical expenses. At times, our law office can help arrange for your medical bills to be paid directly/electronically by the insurance company of the defendant. This is called “direct pay.”
‘Med Pay’ Coverage in Premises Liability Cases
If you are injured on someone else’s property, such as someone’s house or office building, there may be insurance coverage through homeowner or business policies for medical bills. This portion of the insurance policy is called “med pay” coverage. It is designed to pay the medical bills of injury victims without regard to who may be at fault for the injury.
There are different amounts available for payment of medical bills for each different policy. Typically, med pay policies are available in denominations of $1,000, $5,000 and $10,000. Importantly, there are strict time limits within which the medical bills must be submitted to the property owner’s insurance policy.
When you are a client of the Law Office of Cohen & Jaffe, LLP, we give you access to our medical bill payment team so that your bills are processed timely and accurately so you can concentrate on recovering from your injuries – not worrying about how you are going to pay for your care.
Worker’s Compensation Coverage for Workplace Injuries
Workers’ compensation insurance covers injuries that occurred at the workplace or in situations where you are hurt while otherwise carrying out the duties of your job. Like no-fault insurance, workers’ compensation insurance does not require the payment of deductibles. In fact, it pays all medical bills associated with injuries you suffered in the situations described above.
Even if you are paid in cash and work “off the books,” you still may be eligible for workers’ compensation benefits. The workers’ compensation insurance system is complicated and tedious. As a client of our personal injury law firm, we help you cut through the red tape to get your bills paid and get you on the road to recovery.
Other Options for Paying Medical Bills
Medicaid, Medicare or private health insurance may be other options available to pay your medical bills. Our law firm will review your financial circumstances, and if appropriate, we can help you apply for emergency Medicaid benefits.
Finally, many healthcare providers are willing to treat victims of personal injury accidents on a lien. This means the doctors will not require payment at the time they render care to you. Instead, the doctors will wait until your case is settled or tried. An agreement is reached, with our law firm’s help, between the doctor and you, wherein the doctor’s medical bills will be paid directly from your settlement proceeds.
Personal Injury Cases, Handled Personally
We aim to take on your burdens and alleviate your worries. In a free consultation, we can determine whether you have a good case. If we represent you, you can count us on to faithfully pursue the maximum compensation for your injuries. Our law partners and associates have more than 100 years of experience, and they are supported by a skilled team of associates and support staff.
The Law Office of Cohen & Jaffe, LLP is here to help you put your life back together. Call now to talk to one of our Long Island personal injury lawyers or e-mail us and we will respond immediately.