It is bad enough that you were injured in an accident no matter what type of accident you had. The most common cause of an accident is a car crash. At Springer & Lyle we work on your behalf to have your medical bills paid by the person or company who was at fault for your accident. We can also advise you of other ways that you may have to pay some bills.
Proving Fault and Paying Medicals and Other Damages
In Texas, in order to collect for your damages after an accident from the person who caused the wreck, you must prove the other party was the one who is at fault. The amount of your damages will be reduced by the amount of fault that is attributed to you. If you are more than 50 percent at fault, you cannot collect for any of your damages from a liability policy. If you were not at fault, or no more than 50 percent at fault, you can then file a claim against the other driver and his or her insurance company.
Make sure you have your health insurance company pay your medical expenses. You can still recover these from an at-fault party but at the end of the case, you can usually reimburse your health insurance company at a reduced rate.
If you have personal injury protection (PIP) coverage on your own auto policy, that can help you get reimbursed for some of your medical expenses withing 30 days of submitting a claim. In Texas, PIP coverage is automatic for $2,500.00 unless, you reject the coverage when you buy your insurance.
Also, If the driver is uninsured (UM) or underinsured (UIM) and, you have this coverage under your own auto policy, you can file a claim with your own insurance company. The coverage will act as a “substitute” liability policy when the at-fault driver didn’t have coverage or, did not have enough coverage to pay your damages.
When the At-Fault Driver Was Driving for Work
Under the legal doctrine of respondent superior, an employer is responsible for paying the medical bills and other damages of someone injured in a car accident when the driver was driving for a work-related reason. This is true even if the driver was not in a business-owned vehicle but driving his or her own car on a work-related errand.
Why You Need an Attorney to Help
Insurance companies are notorious for trying to pay as little as possible, so they will work hard to prove you were at least partially at fault.
They may make you a lowball settlement offer that will tempt you. You may be off work due to your injuries and amassing medical bills at the same time you are not earning money. This is why you need to consult an experienced personal injury attorney who knows how to evaluate your case and help you get the best possible settlement or, fight for you in court if necessary.
The personal injury attorneys at Springer & Lyle can help you obtain the reasonable compensation you are entitled for your injuries, lost wages, medical expenses, pain and suffering, and other physical damage. Contact us at 940.387.0404 for a free consultation.