For those injured in a motor vehicle collision, thoughts quickly turn to how they’ll cover costs while they recover.

For those injured in a motor vehicle collision, thoughts quickly turn to how they’ll cover costs while they recover.

Crash course: How will the bills get paid after a serious accident?

If you’re injured in a motor vehicle collision you may need treatment and rehabilitation, and time off work to recover. For many, thoughts quickly turn to how they’ll cover those costs – bills that can soon add up, especially if you’re missing your regular paycheck.

This is a common question, explains Ziad Youssef, founder of mytrafficman.net, which provides legal care for victims of serious auto accidents, in addition to DUI and traffic tickets. Attorney Youssef points out that, “If you have Personal Injury Protection (PIP) coverage, your medical treatment will be covered up to the PIP limit. If you don’t have PIP coverage, you have to look for secondary coverage like health insurance.”

Those without PIP coverage or health insurance must look for other options that may be available, such as government benefits, medical liens and sliding scales or repayment options.

  1. Government Benefits: For serious injuries causing disability or extended inability to return to work, federal and state governments may provide coverage through Medicaid disability. However, approval can take several weeks, and may also require an appeal of an initial denial, which could take months.
  2. Medical Liens: For serious injuries where significant surgeries or medical treatment is required, the wait for disability benefits may be the only other option, but for less serious injuries, medical providers may let you defer payment for medical services in exchange for a lien against any claim or lawsuit you bring against the at fault party. Where this is possible, they’ll either not send your bill to collections, or not refuse treatment, so long as you acknowledge a lien for the benefit of the provider. That means a lien will be placed on the settlement to ensure that the provider gets paid when settlement proceeds are paid.
  3. Sliding scales and repayment programs: Finally, if the client has already incurred medical bills and service providers are unwilling to wait until the matter is settled, the provider may have a sliding scale or other kinds of repayment programs that keep you out of collections until the case resolves.

What can you expect from a settlement if you hire a lawyer?

In determining their offers, insurance companies typically consider various factors related to injured clients:

  • The number of days spent in the hospital
  • The seriousness and permanency of the injuries
  • The severity of the collision,
  • The length and frequency of treatment and rehabilitation
  • The amount of lost wages now and in the future,
  • Any accompanying pain and suffering you’ve documented

After more than 16 years practicing personal injury law, Ziad explains that “settling on a financial amount during negotiations is based on the amount a court may award if the case were heard in front of a jury, but it’s guided by what is the best benefit to the client.”

After reaching an acceptable settlement amount, the personal injury team at mytrafficman.net verifies what liens are outstanding and prepares a draft accounting of the distribution of the proceeds. The Settlement Statement starts with a “gross recovery” amount, from which deductions are taken, including the contingency fee and expenses.

The lien payouts or payments for outstanding medical bills are paid next, with the remainder paid to the client.

For more information, or to speak with the MyTrafficman team, visit mytrafficman.net or call 360-734-0908.

Talk to us

More in Marketplace

5 Best main image
5 Best Delta 8 Gummies for Pain in 2021

Pain can be debilitating and finding effective solutions can be incredibly challenging.… Continue reading

Keto main
Keto Burn Advantage Reviews – Negative Side Effects Warning!

The ketogenic diet (composed of 70% fats, 25% protein, and 5% carbohydrates)… Continue reading

No matter what you’re hungry for, you’ll find a local dining destination ready to welcome you during Dine Out, Snohomish County.
It’s time to Dine Out, Snohomish County!

Diners support local as restaurants serve up some delicious possibilities

Along with vaccinations and face coverings, airflow and air filtration offer an added layer of protection for people riding on Community Transit buses and in vanpools.
Filter and flow: Learn more about air circulation on Community Transit buses

Here’s some refreshing info that will help you breathe easy while riding… Continue reading

Fuze Bug main image
Fuze Bug Reviews (Scam or Legit) Is It Worth Your Money?

Fuze Bug is a bug zapper device that collects and eliminates insects… Continue reading

PhenGold main image
PhenGold Reviews: Fake Weight Loss Pills or Real Fat Burner?

The unfortunate modern reality is that more people than ever are obese… Continue reading

6 Best main image
6 Best CBD Oils for Anxiety, Stress, & Depression in 2021

Just a few years ago, CBD burst onto the health and wellness… Continue reading

Floraspring  main image
Floraspring Reviews – Ingredients That Work or Cheap Scam?

Floraspring is a daily supplement that helps consumers to improve their fat… Continue reading

Best Bug main
Best Bug Zappers 2021 – Review Indoor/Outdoor Mosquito Traps

The presence of a bug is the last thing you could expect… Continue reading

Best Immunity main
Best Immunity Boosters: Review Top Immune System Supplements

Your immune system is your body’s natural defense against illness, disease, and… Continue reading

Best main
Best Portable AC 2021 Review Top Mini Air Conditioning Units

Portable air conditioning units are incredibly helpful for individuals that want to… Continue reading

TSR
Best Nerve Supplements 2021 Top Neuropathy Pain Relief Pills

Neuropathy can cause tingling, pain, or numbness in your extremities. Neuropathy is… Continue reading