Medical costs are often the most pressing concern for truck accident survivors who sustain a serious injuries. If you can’t go back to work after a semi crash, you are likely wondering how you are going to pay for hospital and treatment costs. With a tuck accident lawyer to help you through the process, there are several potential options for covering your truck wreck health care expenses.
Missouri Truck Accident Victims Often Face Expensive Medical Bills
Depending on the type and severity of your injuries, the amount you may be billed for medical expenses after a truck accident can be astronomical. From simple bruises and broken bones to serious spinal cord damage or traumatic brain injuries, truck accident victims may end up with bills for more than just a hospital stay.
Potential Medical Costs After a Truck Accident
- Ambulance ride
- Doctor appointments after the accident
- Emergency room visit
- Medical adaptive equipment required at home or work
- Medications prescribed by your physicians
- Out-of-pocket costs while seeking treatment
- Specialist appointments with a neurologist, orthopedic surgeon, or pain management team
- Therapies required to deal with the effects of the accident such as language, occupational, or physical therapy, as well as rehabilitation services
How to Cover Medical Bills After a Truck Accident
After you see a doctor for any injuries, the number one action to take following a truck crash is to contact an experienced Missouri truck accident attorney. A lawyer can take over communication with the trucking company and their insurance provider. The at-fault party’s insurer knows you’re likely concerned about expensive medical bills and will probably contact you with a quick, low-ball settlement offer that may not cover your current costs or those in the future.
Having a skilled attorney handle this process takes the pressure off you while you are dealing with your injuries, and it makes it less likely the insurer will use other shady tactics to reduce or deny your claim. Often, an insurer will take your words out of context to indicate fault or request medical information they don’t need.
How Medical Costs May Be Covered
- Automobile insurance. In Missouri, you have the option to add medical coverage up to a specific cap no matter who is at fault for an accident. However, this amount may not cover all your bills, especially if you suffered a catastrophic injury in the truck collision.
- Health insurance. Your privately purchased insurance or a plan provided through your employer may cover the costs, although there are likely to be co-pays or deductibles.
- Medicaid/Medicare. The medical facility you visit after the crash can submit your bills directly to Medicaid or Medicare if you qualify for these programs.
- Trucking company’s insurer. If your claim or lawsuit is successful, the insurance provider for the at-fault driver or their employer will provide a settlement or act on a court verdict that covers your medical costs.
However, hospital bills aren’t the only financial hurdle that accident survivors face. You will likely also incur other damages that can be extremely high after a truck wreck. That’s why you need an attorney to ensure all of your costs are appropriately reflected in any compensation. These include:
- Lost wages while recovering from the truck crash
- Impact on your earning potential if the truck accident injury forces you to change jobs or go on disability permanently
- Non-economic damages that put a price tag on issues such as physical pain, emotional suffering, and lost quality of life
- Property damage to your vehicle