There are many factors that must be taken into consideration when it comes to who will cover your medical bills after suffering a personal injury. New Jersey and Pennsylvania are both no-fault insurance states, which means that in car accident cases, you will have to file a claim with your own insurance provider to recover the compensation for your injuries.
Knowing who is responsible for covering your costs is essential as you pursue damages after an accident. At Rand Spear, we can help you identify who is liable for your medical bills so that you can recover the money you need and deserve. Contact us today to learn more about who will pay your medical bills during a free consultation with a member of our legal team.
The Party Responsible for Injuries Will Be Liable for Paying Your Medical Bills in Most Cases
In most situations, the party that caused your injuries will be responsible for paying your medical bills. However, in order to recover compensation, you must first prove fault. Proving who was liable for your injuries is often easier said than done. In many cases, a variety of parties could potentially hold a level of fault.
Fortunately, an experienced personal injury attorney will know exactly what to look for as they attempt to establish liability after an accident. When you hire a lawyer, they will immediately get to work investigating your case to prove who was responsible for causing your injuries to occur.
Will the Liable Party Pay Directly, or Will Their Insurance Provider Cover My Bills?
Whether your medical expenses will be covered by the liable party’s insurance provider or not depends on the coverage they carry and the details of your case. If the expenses arising from your injuries are within the coverage limits of the liable party’s insurance policy, the insurer will likely pay all your costs.
However, if your damages exceed the limits of their coverage, you will likely recover compensation up to the limit from the insurer and be forced to pursue the rest of your damages through a personal injury lawsuit.
Furthermore, if your injuries were caused by the liable party intentionally, their insurance may not cover any of the damages. In this case, they would be fully responsible for your expenses.
Pennsylvania and New Jersey No-Fault Insurance Laws
Both New Jersey and Pennsylvania are no-fault insurance states. That means that if you suffered damages in a car accident, your first route to compensation will be to file a claim with your own insurer. In these cases, all parties must look to their own insurer to recover money to pay their medical bills.
Drivers in these states are required to carry personal injury protection (PIP) coverage to protect them in the event of a crash. However, you may still be able to file a lawsuit against the liable party after a car accident, depending on the severity of the damage. If you suffered a serious injury, and the damages exceed the limits of your PIP coverage, you can sue the at-fault party.
Taking Out a Loan to Cover Your Medical Bills While Awaiting Compensation
Unfortunately, recovering the compensation you need to pay your bills can take time after an accident. While you pursue an insurance claim or a personal injury lawsuit, the hospital that treated you will be waiting to get paid for their services. This is where a lawsuit loan can come into play.
When you take out a lawsuit loan, the lending company is giving you money to pay your bills, expecting you to recover compensation. Before lending you money, they will review the details of your case to ensure you are likely to collect damages.
If you do secure compensation, your loan will be repaid out of the settlement or court-ordered payout you receive. Meanwhile, if you don’t recover money from the liable party, the lending company will absorb the cost of the loan, and you will not have to repay what you borrowed.
Recovering Compensation After Suffering an Injury Is Essential
Most people do not have a significant enough rainy day fund to easily absorb the costs of suffering a personal injury. Medical bills and other expenses arising from an accident can add up quickly and begin to overwhelm you. That’s why recovering compensation from the liable party after sustaining an injury is so critical.
Stress can significantly slow the healing process, and few things can be more stressful than being hounded by collectors attempting to recover payment for services rendered. An experienced personal injury lawyer can help you find a reliable lender to cover your medical bills as you await compensation from the liable party.
Your attorney can also work to build a strong case on your behalf to ensure you recover the money you need from the liable party. Getting fair compensation can relieve your stress and facilitate your healing. Knowing that your medical bills and other expenses will be paid can leave you breathing a big sigh of relief.
Contact a Personal Injury Lawyer to Schedule a Free Case Evaluation Today
At Rand Spear, we can help you identify who is responsible for paying your medical bills and ensure you get the money you need and deserve. Our team of personal injury lawyers has helped countless injury victims recover fair compensation, so they can put their injuries behind them and move on with their lives.
Reach out to us by giving us a call, completing our online contact form, or using the chat feature on this site. We offer free, no-obligation case reviews, so don’t hesitate to get started today.