Who Should Pay Your Medical Bills Following a Salem Car Accident
If you sustained serious injuries following a car crash in Salem, you probably require extensive medical treatment. So, you may be wondering how to pay for this treatment and other medical care needs. But in the state of Oregon, the driver responsible for causing a car accident should pay for the losses sustained by the victim. Thus, you can turn to the at-fault driver’s insurance for monetary compensation. Unfortunately, this is often a tough fight.
Insurance providers are not generous in their payouts. They will always find ways to devalue your claim or even deny it. Unfortunately, the longer your car accident claim stays in progress, the more medical bills you will have to face. You must cover these bills right away after the crash; however, you have options to help pay for these expenses. Your Salem car accident lawyer can walk you through these options:
Should the Negligent Driver Pay Your Medical Bills?
While your medical bills pile up following a car accident, you may need to pay for your medical care until you get a claim settlement. The at-fault driver doesn’t need to pay for your medical expenses on an ongoing basis. You can only hold them responsible if your claim or lawsuit succeeds. In this case, their insurance company will compensate you for your losses.
Oregon Personal Injury Protection
In Oregon, drivers must hold personal injury protection or PIP insurance, which offers minimum compensation of $15, 000 per person per accident. This coverage can be used for paying for your injury-related expenses such as medical bills and lost wages.
When you receive medical care, your PIP can cover a lot of kinds of procedures such as surgery, medical care, and diagnostic imaging. Also, you may be compensated for your transport-related expenses as you attend your medical appointments. But the insurance company may require you to see their chosen doctor.
What Happens If Your PIP Coverage is Not Enough to Cover Your Damages?
If your medical expenses are higher than the policy limit of your PIP insurance, you may need to pay out of pocket for your other treatment costs. In this case, your health insurance may have to pay this care. If your health insurance company has to cover for this care, it may request a part of your settlement. Your car accident attorney will calculate your medical costs accurately, ensuring you get compensation for your past and future costs.