Every driver on the road should expect the unexpected.
Although you hope an accident doesn’t happen, 4.8 million motor-vehicle incidents requiring medical attention occurred in 2020, according to the National Safety Council. If you face mounting bills, you likely wonder what options you have.
1. Who pays for my medical expenses?
In both Missouri and Kansas, any owner of a motor vehicle must have liability insurance with a minimum limit of $25,000 per person and up to $50,000 for multiple people injured. The person at fault must cover the damage sustained, physically and mentally, as well as property damage. After filing with insurance, an adjuster will determine the amount you should get. Although the initial sum may seem ideal to take, you may have lingering effects from your injuries that will create added expenses down the road.
2. Do I need to send my bills somewhere?
If you have filed a lawsuit, avoid giving your bills to anyone but your lawyer. If possible, try to avoid using your personal health insurance to cover costs. If your injury far exceeds your deductible, that money gets written off.
3. What if my bills exceed a policy limit?
You have rights as a victim of a car crash. If the at-fault party does not have enough coverage, you have the right to take them to court. If the court falls in your favor, the guilty party will have to make restitution.
While many people may want to avoid filing a lawsuit, your current and future health and financial position may depend on it.
