How do I Pay My Medical Bills While Waiting for a Settlement?

Rutter Mills Law Firm

How do I Pay My Medical Bills While Waiting for a Settlement?

Car Accident Info

Many people struggle to pay medical bills following a car wreck, mainly when serious injuries are sustained. A personal injury claim can take many months to settle, so how do people cover the costs of medical care during the interim?

When finances are tight, several options are available to pay these expenses while waiting for a settlement. Determining which is right for you is a personal decision that can be discussed with your car accident attorney.

Even the most straightforward auto accident case can take time to resolve. e companies can hold up the claims process for several reasons. While your lawyer is gathering evidence, tracking bills, and working toward a favorable outcome, you can consider the following avenues to help pay your medical bills.

Personal health insurance

If you have private health insurance or are part of an employee-based plan, your provider should cover all health care costs up to your policy limits. Co-pays and deductibles will be paid out-of-pocket.

PIP insurance

Personal Injury Protection (PIP) in Virginia isn’t mandatory, but many drivers purchase this extra protection on their auto insurance policy. PIP covers medical bills up to policy limits after a collision, irrespective of liability.

Medicare or Medicaid

Those enrolled in Medicare or Medicaid can have a portion of their accident-related hospital and medical expenses paid once PIP coverage (if any) is exhausted. Remember that you may have to pay back these funds from a settlement or court award.

Attorney lien

Your car accident lawyer signs a legal document granting your healthcare provider first access to the damage award once the case settles or resolves in court. This way, you can still get medical treatment, and your bills are paid out of your settlement.

Payment plans

It is common for clinics, hospitals, and other healthcare settings to negotiate a flexible payment plan. In some cases, they may even lower the final bill. It’s worth discussing this option directly with your medical providers.

Legal funding

When other options aren’t feasible, you might consider a lawsuit advance, also called pre-settlement funding. With this method, you get a quick cash advance (based on your predicted recovery amount) while your case is still pending. In exchange, the lending company has the right to a designated portion of your settlement award. However, the interest rates can be very high– upwards of 40 percent yearly.

Need more help? Contact us at Rutter Mills

Our car accident lawyers understand the hardships facing our clients. Given your circumstances, we can help you explore the best option for paying medical bills while you wait for a settlement check. We leverage over 50 years of experience helping personal injury victims recover maximum compensation. Put our expertise to work for you and call for a free consultation.

Contact a Rutter Mills attorney to speak about your case today.

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Dave Put His Trust in Us

Don’t Fall For The Insurance Company’s Games

Dave suffered serious injuries in a car accident. The defendant’s insurance company tried to offer him a low amount so Dave called Rutter Mills. We took over dealing with the insurance and got Dave the money he needed to get back on his feet.

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On his way home from work at the shipyard, Dan was involved in an accident. He tried to file a claim on his own, but the insurance company wouldn’t give him the money he needed to put his life back on track. Dan knew he needed to call Rutter Mills.

They actually won my case 3 times!

Larena's Win

After her car accident, Larena asked her father, a local stevedore, for his advice on who to call. He recommended Rutter Mills. Her team of car accident experts at Rutter Mills fought back when the insurance companies tried to deny her the money she needed to recuperate from her injuries. We took her case to trial – and won. When the insurance company filed their appeals, we beat them again – two more times! Larena got the money she needed and the justice she deserved.

We’re going to immediately call Rutter Mills. That’s the people I trust with my baby girl.

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After a car accident, Jamaree’s first call was to her mom. She was shaken up and scared. Mom told her “We’re calling Rutter Mills. Her next was to Rutter Mills. Her Rutter Mills car accident team helped her get compensation “above & beyond” what she was expecting.

They lifted allot of stress off my shoulders. I recommend them to anybody because they WILL fight for you.

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After John was seriously injured in a motorcycle accident, he turned to the person he trusts most for a recommendation. His wife, a paralegal of 30 years, told him to call Rutter Mills on the advice of the lawyer she worked for.

They really care for you as a person. Words cannot describe what Rutter Mills did for me and for my case.

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When the insurance company tried to get Carol to sign paperwork after her car accident, she knew she needed a lawyer. Carol knew she needed Rutter Mills.

When I called Rutter Mills, I knew it was the right fit. They’re so interested in helping you get justice.

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Taryn was in a car accident while she was pregnant. She knew she needed someone in her corner to protect her rights and her family’s future.

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A devasting accident changed Levon’s life forever. The physical and emotional toll left him scared and in pain. When the insurance company for the defendant contacted the family, they made an offer that did not even cover the cost of the medication, much less doctors’ bills, and physical therapy. They knew they needed to talk to a serious lawyer. Rutter Mills took care of the negotiation so Levon could focus on healing.

When you’ve got a serious injury, you need a serious lawyer. That’s why we chose Rutter Mills.

Motorcycle Accidents Change Everything

When Ed was injured in a motorcycle crash, he knew he needed a serious lawyer to protect his rights. The insurance companies were fighting him every step of the way. Rutter Mills helped prove Ed’s case and get him the money he needed to get on the road to recovery.

With the seriousness of the accident, I knew that we needed a serious lawyer. I needed Rutter Mills.

Carol & Levon's Story

They knew they needed a serious lawyer when Carol and her son were seriously injured. After the other party’s insurance company tried to get her to settle for less than she needed, Carol called Rutter Mills for help. We took on the insurance company so she could focus on healing.

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