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Car Crash Care: What to Do When Insurance Isn't Enough

Car insurance is supposed to pay for your medical bills after an accident.

However, there are limits placed on the amount that an insurance company will pay. There are also times when the insurance company will refuse to pay. Fortunately, you have options if the insurance company will not pay after an accident.

Negotiate

You can negotiate with your health care provider. Medical professionals are often willing to work with people who have trouble paying. In fact, many providers will give people discounts if they are having trouble paying their bills. The key is to talk to your healthcare provider as soon as possible.

Talk to the Billing Department

Unpaid medical bills will eventually be sent to collections. However, this is not something that most doctors want to do. That is why it is a good idea to speak with the billing department. You may be able to set up a payment plan. You will make a payment on the bill every month until the bill is paid off. Even if you’re paying something very small, most companies would rather receive a partial payment instead of nothing at all.

Assistance Programs

You should ask the doctor or hospital about assistance programs that you may qualify for. You may be able to get assistance from the government, a non-profit organization or the hospital itself. Many programs will pay all or part of the hospital bill if one’s income falls below a certain limit. It is important for you to talk to your doctor or hospital about these programs before the bill goes to collections.

Work with an Accident Attorney

If your crash was serious, you should consider hiring an accident attorney. Your accident attorney will review your case and determine whether you are eligible for compensation. In many cases, an attorney can get you a much better settlement than you would get from your insurance company. Keep in mind that you do not have anything to lose by hiring an attorney. They work on a contingency basis, which means that you do not have to pay anything unless your attorney can get you a settlement.

Finding out that your insurance company will not pay your medical bills can be frustrating. Fortunately, you can talk to your doctor and the billing department to come up with an arrangement. You may also qualify for assistance. Additionally, it is important to work with an attorney.

Views: 24

Tags: car, crash, finance, insurance

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