By Lakota R. Denton


How are medical bills paid after a car wreck? A Gastonia Personal Injury Attorney will help you find sources of money to pay your bills. If you are injure din a car wreck, you will likely be incurring substantial medical bills. Who will pay these bills? A Gastonia Personal Injury Attorney will help you decide who is responsible for your bills, and how much they will pay. It can be very complicated and difficult to attempt to handle a car accident claim without an attorney. If you want to try to handle it on your own, at least consult with a Gastonia personal injury attorney to get helpful advice, and to make sure you are not ruining your claim.

If you have been injured in a car accident, N.C. law will allow you to recover compensation for your injuries from the person who caused the accident. You can one of two things: a) File a claim against the car insurance of the at fault driver, or b) File a lawsuit against the at-fault driver. Each method is your legal right in order to be compensated for your injuries. The most commons sources of compensation for your medical bills are the at fault driver, the at fault driver's insurance company, your own car insurance, and health insurance.

The at fault driver is responsible for your medical bills after a car crash. North Carolina follows a "fault" system. In other words, the at fault driver is responsible for the injuries he or she causes. Fault is ultimately determined by a jury, but often attorney will argue over fault prior to a jury ever hearing the case. Your Gastonia Personal Injury Attorney will argue your case for you. Unless the at-fault driver has a large income or assets, you will typically need to recover money for your bills somewhere else. It is very rare for an at fault driver to have the resources to pay for all of someone's medical bills. North Carolina requires all drivers to carry liability insurance on their vehicle. A Gastonia personal injury attorney can review your claim and help argue that the insurance company is responsible for your medical bills.

The insurance carrier for the at fault driver should be responsible for the medical bills caused by the driver. Insurance coverage travels with the car, in other words, as long as the driver had permission to drive the car, the insurance will cover anything accidents caused by that driver. The North Carolina minimum insurance policies required at least $30,000 in coverage injuries per person and $25,000 for property damage per accident. Many drivers carry more insurance than this; these are just the minimum requirements by law. A Gastonia personal injury attorney will investigate the insurance coverage and determine how much is available to help pay medical bills.

Your own car insurance may help you pay your medical bills after a car accident. North Carolina also requires that every insurance policy in the state have Uninsured coverage. This coverage provides additional money that is available in case your medical bills are more then the required state minimum carried by the at-fault driver or if the at-fault driver has no insurance at all. In these situations, any additional medical bills would be covered by the Uninsured insurance coverage.

If you have health insurance, you may be able to charge your bills to your health insurance, too. Health insurance providers include programs like Medicare, Medicaid, or other private health insurance carriers. If your health insurance, medicare, or medicaid makes payments to a medical provider on your behalf, they will expect to be paid back out of any settlement. This is a complicated process called "subrogation". A Gastonia personal injury attorney can help you handle subrogation following a settlement.

Contact a Gastonia personal injury attorney for assistance. An attorney at Minick Law will provide a free consultation.




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