In most New York personal injury cases, the injured party's insurance company foots the bill for medical expenses since the state follows the no-fault system. However, if the victim suffers from serious injuries, they may be able to sue the negligent party to recover non-economic damages.
While the affected party waits for their compensation, they may request their health insurance company to cover the medical bills. This arrangement can have an impact on the personal injury settlement they receive.
The personal injury attorneys at The Law Office of Carl Maltese have recovered more than $150 million in personal injury settlements and verdicts for the injured victims in New York. They have extensive experience negotiating with insurance companies to ensure that the affected parties receive maximum compensation.
Those who have suffered injuries in Long Island, New York, should contact The Law Office of Carl Maltese to discuss their case and learn more about their legal options.
Who Pays for the Medical Bills after an Accident in New York?
When an accident occurs due to another's negligence, there are several options the injured victim may consider to cover their medical expenses. These may include the following:
Personal Injury Protection Coverage
New York is a no-fault state, which means that the injured victims must file a personal injury claim with their own insurance company, regardless of who is at fault. The Law Office of Carl Maltese can also answer questions such as Do you have to pay taxes on a personal injury settlement in New York?
Personal Injury Protection (PIP) is an auto insurance coverage that covers medical bills, lost wages, and funeral costs arising from a car accident. In New York, drivers must carry PIP to drive in the city legally.
When a car accident happens, the injured victim's PIP coverage kicks in to pay for the damages caused. In most cases, a basic PIP policy may cover up to $50,000 in medical expenses and 80% of the victim's lost earnings.
Health Insurance Company
If an injured victim has a valid health insurance policy during the time of the accident, they may approach their insurer to cover the medical bills associated with their injuries.
However, it's important to note that the insurance company will only pay for the medical expenses after the affected party exhausts their no-fault coverage or if it is unavailable.
When an injured victim lets their insurance provider cover the medical expenses, the insurer may have the right to pursue compensation if the affected party successfully wins the personal injury lawsuit and receives an award.
Civil Lawsuit
When an accident results in more than $50,000 in damages, the injured victim may pursue a personal injury lawsuit against the negligent party. This sort of remedy is only available to people suffering from "serious injuries."
A personal injury lawsuit can help the victim recover compensatory damages, which include economic losses (medical bills, lost earnings, and property damage) and non-economic damages (pain and suffering, emotional distress, and reduced quality of life).
Who Will Cover Your Medical Bills If You Are an Injured Pedestrian?
If an injured pedestrian or bicyclist suffers injuries after getting hit by a car, the negligent driver's insurance company is liable to cover the costs of medical treatment, a percentage of the lost earnings, and other damages.
It's important to note that the injured bicyclists and pedestrians in New York must provide substantial evidence to prove their injuries if they wish to obtain compensation.
Pursuing legal action can be challenging, which is why it's crucial for the affected party to reach out to an experienced personal injury attorney on Long Island.
Do You Have to Pay Your Medical Bills from a Personal Injury Settlement in New York?
When medical providers pay medical bills for injured victims after their accidents, they may have a subrogation clause that allows them to recover compensation in case of successful personal injury settlements.
A health insurance provider may cover the costs of medical treatment, but when the affected party receives a personal injury settlement, it is their right to pursue compensation.
An experienced personal injury lawyer can help go through the details of the medical bills and negotiate the amount before processing the health insurance company's reimbursement to ensure maximum compensation for the injured victim.
How Does Medical Liens Work in New York?
When an injured party does not have adequate health insurance or the financial means to pay for outstanding medical bills, they may request a lien from the healthcare provider to cover the unpaid medical expenses.
A lien is an arrangement where medical providers treat injured victims in exchange for a right to recovery from personal injury settlements.
When the affected party receives money through a settlement, they must cover the medical lien first. Otherwise, they'll be unfairly compensated twice.
If an injured victim requires a medical lien, they can contact a skilled personal injury attorney in New York to help them locate world-class healthcare providers who may work with them.
Is It Easy to Recover Money from the Insurance Company?
Whether it's a health insurance or an auto insurance company, recovering money from insurers can be challenging, and they may create a lot of hurdles during the claims process.
When an injured victim files a personal injury claim to obtain compensation for paying medical bills after an accident, they might struggle to deal with the insurer. In most cases, the insurance company may undervalue their claim or refuse to cover the damages.
It's crucial for the affected party to reach out to an experienced personal injury lawyer to help handle the insurance company or pursue a lawsuit against the negligent party.
What Is the Statute of Limitations for a Personal Injury Case?
Typically, the statute of limitations is three years from the date of the accident or injury. However, this may vary from one personal injury case to another.
An experienced attorney can guide the injured victims on the time they have left to pursue legal action against the negligent party. They can answer every details to questions like What is the statute of limitations in New York for personal injury?
The Law Office of Carl Maltese Is Ready to Fight the Insurers to Ensure Maximum Compensation!
Those who have suffered injuries in Long Island, New York, should call to schedule a free consultation with the experienced personal injury attorney at The Law Office of Carl Maltese. They can assess the facts surrounding the case and gather the necessary evidence to build a strong claim to ensure maximum settlement.
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