AAA

Who Pays Medical Bills After A Crash?

If you were injured in a car crash, you likely have medicals bills. And, given the high cost of healthcare in California, these bills are sometimes very high. For some, the cost of medical expenses can be daunting, and the unknown as to how and when they will be paid can be paralyzing. Understanding who pays and how can be helpful for those trying to figure out how to proceed after an injury accident.

What About Car Insurance?

In an ideal world, the driver who causes an accident has car insurance. If he injures someone, eventually his auto insurance will ideally pay for the medical expenses of the injured person. But what if his insurance only covers him for the California state minimum of $15,000 and the injured person's bills exceed $15,000? In that scenario, the injured person's insurance may come into play, if he or she is insured for more than the state minimum. Additionally, if there are other insurance policies that might cover the at-fault driver, such as a business or umbrella insurance policy, those insurance policies might also pay for the injured person's medical expenses.

And If Car Insurance Won't Pay?

It sounds unfair and unlawful, but car insurance companies are notorious for trying to avoid paying medical bills. For example, they may state that the car accident did not cause the injuries, and so they do not have to pay the bills. There's a sliver of truth to this, but the extent to which insurance agencies use this excuse is often ridiculous. Or, the insurance adjusters may state that the amount billed is too much, and so they will offer you the minimum amount for the medical treatment billed. Or, they may simply decide that some medical treatment is not necessary, was not properly prescribed, or the date of treatment was too far after the car accident and therefore not related. 

How To Get Your Bills Paid For

An experience car accident or injury attorney may be able to help you. The insurance companies are likely to deal more fairly with you if you are represented by an attorney, as politically incorrect as that sounds. An injury attorney knows the rules of the insurance code. Also, a good injury attorney in California will have heard the excuses for not paying before. Therefore, he or she will be in a much better position to fight back on your behalf. Also, consulting an injury attorney shortly after your car accident will likely benefit you by learning more about the claim and litigation process before you finish your medical treatment. You may be able to avoid falling into the traps the insurance companies expect you to fall into.

The Lions Injury Lawyers represent injured persons throughout California, including claimants living in San Bernardino County, Riverside County, San Diego County, Orange County, San Joaquin County, and Los Angeles County. Speak with an attorney, not a salesman.

Thanksgiving On The Roads

Thanksgiving traffic

Thanksgiving is hands down the busiest travel day of the year. AAA predicts the busiest time of the day to be between 2 and 6 pm. It's crazy out there on the roads any given day but add the fact that on average 37% of people travel on Thanksgiving and you've got a zoo! I was driving on the freeway last week when I saw a large SUV smash into another smaller car. The smaller car pulled over but the at-fault party took off and in mildly heavy traffic. I could hardly believe my eyes!  I hear of situations like this all the time but seeing it first hand was striking.  If you see someone hit someone and drive off please call California Highway Patrol at 1800.TELLCHIP.  I hope none of you are ever in that position! Let's look out for each other when we are on the roads this Thanksgiving holiday! Here are some basics to remember this Thanksgiving holiday out on the roads!

  • PUT THE CELL PHONE AWAY

    • The number one cause of any  accident is distracted driving. It's not drunk drivers or speeding, it's distracted driving.         
  • BE OBSERVANT

    • The number of trucks I see dragging chains or pieces of equipment is astonishing! Watch out who you get behind! Chains, loose equipment, car parts they all can easily fly off of vehicles and they do!  If a driver in front of you is dragging something change lanes immediately. If something were to fly off it would be extremely difficult to swerve around. 
  • STAY ALERT

    • Driver fatigue is serious! How well can we expect anyone to drive when they are having a hard time staying awake? 
  • SPACING

    • Tailgating on the freeway is always a bad idea, proper response time is critical! Especially during the holiday, everyone is in a rush to get to where they need to be and traffic is heavy! 
  • DON'T DRIVE UNDER THE INFLUENCE OF ALCOHOL OR DRUGS 

  • BE CAREFUL CHANGING LANES

    • When changing lanes use your turn signal and always check your blind spot; being in a rush or recklessly changing lanes can easily lead to an accident.