Being harmed in a crash is a difficult experience to endure, especially when you are worried about your medical expenses. If you have been put in a challenging position because you don’t have insurance and you are not able to cover your medical expenses, there is one type of coverage that will cover these costs: no-fault insurance.
Is the Person at Fault for Your Accident Liable for Your Bills?
Obviously, in the event of an accident involving another party, that other party is found to be liable for your accident – or else you would not have a claim. However, this does not always mean that the other party or their insurance company is able to cover your bills. If you have been involved in an accident, even one that is not your fault, you are largely responsible for covering your own bills. Even if the person who caused your accident should be liable, this does not mean that they will actually cover your expenses until you go to trial. And, as you know, this could be a waiting game.
Understanding How No-Fault Insurance Works
In West Virginia, a concept known as “no-fault insurance” exists, which means that the company that carries your insurance will take care of some of your expenses following an accident if your policy calls for it. Many people use this special type of insurance for aspects like medical expenses, lost wages, and more after they have suffered losses and are struggling to get back on their feet after an accident. This is especially good for those who do not have the money to cover their bills right off the bat and are waiting for settlement or trial.
When you file a claim, your no-fault insurance will probably be referred to as “personal injury insurance,” or PIP. There is sometimes a limit that will be set on these policies so that you do not go over a certain amount, and after that, you might be expected to cover some of it on your own. You might not be familiar with your rights or feel confused about where to turn, which is why it is essential to have a personal injury attorney on your side no matter what.
When You Have to Make Payment Arrangements
When no-fault insurance and all other options fail, you might have to ask to make payment arrangements with healthcare providers so that you can ensure that your bills can be paid as expected. Many providers, such as a variety of hospitals and doctor’s offices, will allow you to go onto a payment plan for you to receive the treatment you need. You would sign what is known as a “personal injury lien,” which is sent to the attorney of the patient as a contract and something they must be paid for.
How a West Virginia Personal Injury Attorney Can Help
You’ve been injured in a West Virginia car accident and now you wonder how you can move forward after you have been hurt at the hands of a negligent party. Our personal injury attorneys at Katz, Kantor, Stonestreet & Buckner are here to help you hold a party liable for the injuries and harm you have received. Please contact us at (304) 713-2014 for more information.