Financial damages for medical expenses in personal injury claims

When you suffer an injury or some type of accident that requires you to undergo medical treatment due to negligence or fault on your part, you may be motivated to seek legal advice from a lawyer or law firm. of lawyers. Medical treatment can be expensive depending on the severity of the injury.

Compensatory damages for bodily injury

Insurance doesn’t always cover medical bills, and you may have to pay many of these bills out of pocket. In most injury cases such as car accidents, medical malpractice, or slips and falls, you are entitled to “compensatory damages” where you will be reimbursed for the money you spend. Here are some examples of what compensatory damages will cover:

  • Hospitalization
  • Ambulance bills
  • operation
  • Laboratory fees
  • physical therapy
  • Treatment by the family doctor
  • Pain management costs
  • Prescription drugs


Auto accidents in no-fault states like Utah, Pennsylvania, North Dakota, New York, New Jersey, Minnesota, Michigan, Kentucky, Kansas, Hawaii, Florida and Washington DC have what is called a “no-fault” system.

This means that the driver’s insurance company will pay for their medical expenses, regardless of who caused the car accident. You will still have to pay disbursements if you exceed your insurance coverage limits.

Retainer Agreements by Medical Providers

Prior to the settlement of a personal injury case, some medical providers may suspend medical bills. When your file is closed, you must pay the medical expenses from your settlement. If the case is dismissed or you do not receive compensatory damages, you will have to pay the medical costs out of your own pocket.

Access loans before settlement

If the plaintiff (the person who opens the case against a business or person in court) cannot afford the medical bills and has not yet settled the case, then they can apply for a pre-settlement loan.

The attorney’s cooperation may be required for the loan amount, and accrued interest will be deducted from the settlement amount if the plaintiff wins. If the case is dismissed and the pre-settlement loan has already taken effect, you will have to pay the rest out of pocket.

Get the treatment you deserve

When you’ve been in an accident and have medical bills, stress alone can prolong your recovery. Some may even avoid seeking treatment if they feel it is only a minor injury, and some will settle for a poor quality health care provider.

This shouldn’t be the case when you’ve just been injured. Medical debt shouldn’t stop you from getting the treatment you deserve.

When you suffer from a car accident, slip and fall or other types of accidents, you are entitled to compensation. It is essential to consult your health care provider to know your options and also to contact an attorney to know your rights. An Indianapolis, IN personal injury attorney will ensure that your health is our top priority and that you will not settle for less.

Declaration of the accident

In most cases, accidents must be reported to your insurance company within 24 hours of the incident. The insurance company will likely need proof of the accident, such as photos, witnesses, and a medical examination from a health care provider the insurance company selects for you.

It is essential to alert your insurance company as they may initiate an internal investigation and approve Personal Injury Protection (PIP) benefits to cover medical expenses.

Hire a lawyer

Seeking legal advice or working with a lawyer is a decision that can be beneficial for you, especially if the accident is not the result of your own fault. The law firm or personal injury attorney will handle the third party claim, so you don’t have to deal with the nuisances of the case.

The lawyer can also handle all the crucial documentation to prove that you are entitled to damages. They will negotiate the settlements for you, complete the necessary paperwork and communicate with the opposing insurance company.

Leland D. Bengtson

As a journalist, Leland D. Bengtson has devoted most of his career to legal journalism. His greatest satisfaction is to convey legal issues to the public in a language they can understand. He is active on various platforms and media, writing about common legal issues that people face on a daily basis. While medical malpractice is his forte, Leland covers many other topics, including personal injury cases, family law, and other civil and even criminal legal matters.

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