Who pays for your expenses will depend on the exact circumstances of your case. In some cases, more than one party may hold financial responsibility.
Here are a few examples:
Premises liability matters: When your injury happens at a private place of business, the business owner or property owner will generally be liable. You will typically need to claim with their insurance carrier. If you need immediate treatment following your accident, you may need to use your private health insurance to cover your visit. If this happens, keep your receipt so your attorney can include it in your final expenses. If your injury occurs inside or outside someone else’s home, the homeowner will likely hold financial responsibility. In most cases, you will claim the resident’s homeowner’s policy.
Motor vehicle accidents: In a motor vehicle accident, your PIP insurance will pay for 80 percent of your medical bills, up to your policy limits. Beyond this, the other driver’s insurance coverage will come into play. If the other driver does not have insurance or their policy is insufficient to cover your expenses, you may need to claim your uninsured/underinsured motorist coverage.
Medical malpractice claims: Health care providers carry medical malpractice insurance to protect themselves in case of a malpractice claim. Because of the intricacies of malpractice claims, it is crucial to talk to an experienced attorney. Your attorney will determine whether you have a case against an individual provider, multiple providers, or the facility and file a claim accordingly.