How to Handle Medical Bills After a Personal Injury in New York

If you’ve recently been involved in an accident and sustained injuries, the aftermath can feel overwhelming. Between dealing with pain and discomfort, adjusting to changes in your daily life, and navigating the legal complexities of a personal injury case, you may also be left with a growing pile of medical bills. At this difficult time, it’s completely natural to feel confused and unsure about how to handle the financial burdens that come with medical expenses. You are not alone, and we are here to help guide you through this challenging process.

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Understanding the Impact of Medical Bills After a Personal Injury

When you are injured, seeking medical treatment is a priority. However, it’s important to understand that medical care can be expensive, and in the chaos following an accident, managing those bills can seem like a daunting task. Medical costs can pile up quickly, whether it’s from hospital stays, doctor visits, physical therapy, or surgery. The stress of recovering from an injury can be compounded when you are worried about how you’ll pay for these expenses.

The good news is that in New York, you have legal options available to help cover the cost of your medical treatment. While no one plans for an accident, there are ways to manage these expenses and protect your financial future. If you find yourself struggling to handle medical bills after a personal injury, taking a proactive approach is key.

How Your Health Insurance Can Help

One of the first places to look for help with medical bills after a personal injury is your health insurance provider. Depending on the specifics of your insurance policy, it may cover a significant portion of your medical expenses. However, it’s important to understand that health insurance may not always cover the full amount, particularly when the injury is the result of an accident.

In New York, if your injury occurred in a car accident, your own car insurance may provide benefits through Personal Injury Protection (PIP). This coverage helps pay for your medical expenses, lost wages, and other costs, regardless of who was at fault in the accident. It’s important to check your insurance policy to understand the limits and scope of your PIP coverage. If your medical expenses exceed what your insurance will cover, you may still need to seek additional help.

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Andrews

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Kotrys

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Anthony
Iacono

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Robert J.
Maranto, III

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Utilizing No-Fault Insurance for Medical Expenses

New York is a no-fault insurance state, which means that your own insurance is the primary source of payment for medical bills related to an accident, regardless of who caused the accident. This applies to car accidents, and it is a significant advantage when dealing with medical costs after a personal injury.

No-fault insurance can cover many medical expenses, such as doctor visits, hospital stays, and rehabilitation costs. It’s important to remember that no-fault insurance has certain limits. In some cases, you may exhaust these benefits before fully recovering, and in such situations, you will need to explore additional options for covering any remaining medical expenses.

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Seeking Compensation Through a Personal Injury Claim

If your medical expenses exceed the coverage provided by insurance, or if you are facing out-of-pocket costs that your insurance won’t cover, you may have the option to seek compensation through a personal injury claim. A personal injury claim allows you to recover compensation for the expenses you’ve incurred due to your injury, including medical bills, lost wages, and pain and suffering.

This is where an experienced personal injury lawyer can make a significant difference. Filing a personal injury claim can be a complicated process, and it’s important to have legal representation to ensure that you are compensated fairly for your injuries. Your lawyer will help you gather the necessary evidence, negotiate with insurance companies, and fight for a favorable outcome in your case.

Working With Medical Providers to Manage Costs

While your case is ongoing, you may face difficulties in paying your medical bills. In such situations, you can work directly with your healthcare providers to negotiate payment plans. Many medical providers are willing to work with patients to arrange for smaller, more manageable monthly payments if the full bill cannot be paid upfront.

It’s important to communicate openly with your providers. Let them know that you are in the process of filing a personal injury claim and may not be able to pay the full amount immediately. Most doctors, hospitals, and rehabilitation centers understand the financial strain that a personal injury can cause, and they may be willing to delay payments or set up a payment arrangement that works for you.

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How an Attorney Can Help You Maximize Compensation

When you hire a personal injury lawyer, you gain an advocate who can fight on your behalf to ensure you receive the compensation you deserve. Your lawyer will help you navigate through the legal system and protect your rights throughout the process. They will also have the knowledge and experience to help you get the best possible outcome in your case.

A lawyer can work with medical providers to ensure that your bills are handled properly, and they can negotiate settlements with insurance companies to make sure you get a fair amount of compensation. Personal injury claims can be complex, especially when dealing with multiple insurance policies and healthcare providers. By having a lawyer on your side, you can focus on your recovery while they handle the legal and financial details.

Dealing With Unpaid Medical Bills While Your Case Is Pending

While your personal injury case is being settled, you may encounter a situation where you’re unable to pay some medical bills out of pocket. If this happens, don’t worry—there are legal protections in place to help you. Under New York law, you cannot be forced to pay medical bills out of pocket before a settlement is reached, and medical providers cannot take legal action against you for unpaid bills if they know you are pursuing a personal injury case.

Additionally, many providers will agree to delay collection efforts until your case is resolved. This gives you peace of mind while you focus on healing from your injuries.

Verdicts & Settlements

$7.7 Million

Pedestrian Accident

$1.4 Million

Auto Accident

$2+ Million

Auto Accident - Severe Knee Injury

$395,000

Slip and Fall on Ice

$300,000

Car Accident Emotional Damage

Six-Figure Settlement

Knee Injury - Car Accident

Why You Shouldn’t Delay in Seeking Legal Help

Handling medical bills after a personal injury can be a complicated and stressful process, but you don’t have to do it alone. Seeking the help of a skilled personal injury attorney is one of the best decisions you can make after an accident. A lawyer can guide you through the process of filing claims, negotiating with insurance companies, and ensuring that you receive compensation for your medical expenses.

At Andrews, Bernstein & Maranto, PLLC, we understand the frustration and anxiety that come with managing medical bills after an injury. We are here to help you every step of the way, ensuring that you receive the compensation you deserve while you focus on healing. Let us take the burden off your shoulders so you can get back to what matters most—your recovery. Contact us today to schedule a consultation and learn more about how we can assist you.

To learn more about this subject click here: How to Handle Medical Bills and Expenses After a Buffalo, NY Motorcycle Accident

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