After an injury in Maryland, your top priority should be resting, recovering, and getting better so that you can get back to your normal life. The last thing you should be worried about is how you'll be able to pay the high costs for medical care and treatment. Unfortunately, for many people, worrying about the high price of medical care is unavoidable.
If you or a loved one suffered a serious injury as the result of someone else's actions in Maryland, then it is only fair that they should be responsible for the medical expenses. However, in most cases, the other party will not be very willing to pay up, and they may not even admit that they were at fault. This is why you will likely have to go to a personal injury lawyer, who can fight for you to get the compensation you deserve, and you can concentrate on getting better.
Initial Medical Expenses in Maryland
Who will initially pay for medical treatment may depend on whether or not you have medical insurance, when you contact an attorney, who was responsible for the injury, and the type of situation that resulted in personal injury.
If you have health insurance, then the cost of treatment for your injuries may be covered by your insurance company, after paying out copays, deductibles, and paying for non-covered treatment. If you file a lawsuit against the person who was at least partly responsible for causing the injury, then your insurance company may try and get back the money they paid for your treatment from the responsible party. This is known as subrogation. Whatever the financial outcome of the case, your health insurance company will likely try and get back the value of your medical treatment from the other party.
If you are uninsured, then the medical bills may initially go to you. It may depend on whether you named the other party as being responsible for the injury, or when you file a lawsuit against someone. You may be initially responsible for medical expenses before the claim or lawsuit is settled.
Car Accident Medical Expenses in Maryland
One exception involves car accident injuries. In states that have personal injury protection (PIP) insurance, PIP may cover limited medical expenses regardless of who was at fault. Only a handful of states require PIP coverage, with other states offering PIP insurance as an add on to auto insurance policies. In Maryland, PIP insurance coverage is not mandatory, and PIP provides only minimal protection, which would not be enough to cover most serious injury accidents.
Michigan, on the other hand, has mandatory PIP coverage in auto insurance policies. In addition, there is no cap to the amount of medical benefits, and covers all reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person's care, recovery or rehabilitation. This is a broad definition that includes not only medical expenses, but could also cover transportation, in-home care, and other costs.
The types and limits of personal injury protection varies by state, with many states offering no auto accident no-fault PIP protection.
Medical costs in the U.S. are some of the highest in the world, and the expenses for even a minor injury can quickly add up to an unpayable sum. Health care providers and insurance companies will try and come after the individual first for payment, which is why it is important to talk to your personal injury attorney as soon as possible, to find ways to make sure you are not on the line for expensive medical payments.
The process of healing and medical treatment for a family member can impose a significant financial burden on individuals and their families. The Gilman & Bedigian team is fully equipped to handle the complex steps involved in bringing a personal injury claim. Our staff, including a physician and attorneys with decades of personal injury litigation experience, will focus on getting you the compensation you deserve, so you can focus on healing and moving forward. Contact the team at Gilman & Bedigian today for a free consultation.