Getting involved in a car accident entails a lot of medical expenses on your end. When it comes to payment of bills, you have to bear in mind that there are certain rules that you need to follow. The general rule is that you have to pay for the medical bills as you incur them. Depending on the kind of accident you got involved in, you are not entirely responsible for paying the bill. Here we will look at the common costs you will pay after an accident.
The sad part about car accidents is that the highest cost we have to pay is human life. Whether it’s injury or death, no amount of money will pay for the potential loss of income and livelihood that is associated with car accidents. In the case of deaths, the amount of money that will be paid will not bring back the life of victim of the car accident. A study conducted by the National Highway Traffic Safety Administration (NHTSA) revealed that US motor vehicle crashes in 2010 cost almost $1 trillion due to loss of productivity and loss of life.
Payment of your medical expenses will depend on which state the accident happened. If it occurred in a “no fault” state, there will be a limit on the amount you will pay. This may vary from one state to another but will generally be less than $10,000. When your expenses are more than the state’s “no fault” limit, you will have to shoulder your medical costs. If you have health insurance, your HMO will cover yout medical bills. If you are enrolled with Medicare or other state run health insurance programs. Here now are your expected medical costs after a car accdient.
1. Injury-Related Expenses
According to the website of Habush Habush & Rottier S.C. ®, severe injuries may entail ambulance costs, X-rays, CT scans, overnight stays, medication costs, physical therapy, and others.
If the plaintiff is required to undergo testing or treatment, the defendant will will be responsible for paying your medical expenses. It can become expensive especially when the accident caused permanent disability and will require adaptive services and nursing care.
It is worth noting that you need to turn over some or all of your money to your health provider if they have been paying the medical costs before the settlement or damage award.
2. Pain and suffering
Juries tend to award huge damage costs for pain and suffering. For this reason, insurance companies are inclined to settle a case. Most insurance providers will use a “pain multiplier” to come up with a fair and reasonable cost for pain and suffering damages.
3. Emotional distress
Accidents or injuries are usually associated with emotional stress. This should be accompanied by psychiatric records and diagnosis. This could increase the amount of damages that will be awarded to you for emotional distress.
4. Wrongful death
By law, spouses are allowed to file a wrongful death action in every state. For minor children, parents can claim liability and damages. The rules may vary on the ability of parents to sue for wrongful death.
5. Emergency room costs
Sometimes car accidents will entail frequent trips to the emergency rooms and the judge will usually award rides and tips to the emergency section of hospitals.
Car accidents can put the lives and future of individuals at risk. As such, it is just right for them to provide damages to the “at-fault” driver.