Who will pay my medical bills and lost wages?
There may be many sources from which to get your medical bills paid and, depending on the types of insurance, they each take different priority. For instance, in Florida, you are required to carry personal injury protection (PIP) insurance. This is generally in the amount of $10,000 and may have different deductible amounts. This money is available to pay for medical bills and/or lost wages. However, unless you instruct your insurance carrier to reserve your PIP for your lost wages, they will pay it to the first medical bills they receive. There may also be other insurance available to pay for your medical bills including medical payments coverage, health insurance, Medicare, Medicaid or disability insurance. If you are in an automobile accident, you should contact an experienced personal injury lawyer to discuss how the relevant state laws and policies of insurance apply to recover damages for your injuries.
In most cases, your attorney will help you file a claim for medical bills, lost wages, and pain and suffering against the insurance carrier of the driver who was responsible for the accident. If the driver who caused the accident is uninsured or does not have enough insurance coverage to pay you what you deserve, your attorney may advise you to file a claim against your own insurance company under your “uninsured motorist” coverage. The purpose of car insurance is to protect each one of us from the potential negligence of another driver. However, insurance providers are for-profit companies that hire highly trained and experienced professionals to maximize company profits. That means they look for ways to pay you as little as possible for your injuries. The best way to protect yourself and ensure that you receive the money you deserve is to hire an experienced personal injury lawyer. Unfortunately, these claims can take quite a while to resolve. Many of our clients worry about how they
Michigan has a list of priorities that determine who pays the medical bills and lost wages. For example, if the car that you were in was not insured but you have car insurance on your own car, then your car’s insurance company may be responsible for paying the medical bills and lost wages. If there is no insurance available, then the State of Michigan may assign the claim to a random insurance company. Q: I was driving my employer’s car when the collision occurred. I was injured and have lost time from work. Is this a workers’ compensation case? A: If your employer had workers’ compensation insurance, then it most likely will be a workers’ compensation case. However, if the employer did not have workers’ compensation coverage, then the car insurance may pay and seek reimbursement from the employer. Q: How badly must a person be injured in order to have a claim in Michigan for pain and suffering? A: This is an issue to be determined by the judge. However, the injuries must be severe eno
