When you are involved in an accident, one of the most common burdens on your mind is medical bills. Instead of being able to focus on your health and recovery, you might be worrying about how you are going to pay for them. As dedicated personal injury attorneys in the greater Cleveland area, we often see clients who are unsure of how to handle this aspect of their case, and it is important to understand that using your own insurance to pay your medical bills upfront can be the best option, even if the accident was not your fault. At the end of the day, this process is in the best interest of the client.
The Importance of Using Your Insurance to Pay for Medical Bills
The main reason why it is important to use your own insurance to pay your medical bills upfront is because you will not receive any money from a settlement until the case is resolved. This can take months or even years depending on the severity of your case, and in the meantime, your medical bills will continue to pile up. If you do not have the financial means to pay these bills upfront, they could end up going to collections, which can damage your credit score and make it harder for you to get approved for loans or credit cards in the future.
Using your own insurance to pay your medical bills upfront can prevent this from happening. Most insurance policies, including health insurance, have provisions for paying medical bills related to an accident. This means that you can submit your medical bills to your insurance company, and they will pay them on your behalf. This can be a great relief for many clients, as they can focus on recovering from their injuries without worrying about how they are going to pay their bills.
Another benefit of using your own insurance to pay your medical bills upfront is that it can help to streamline the personal injury case. When your insurance company pays your medical bills, they will typically require a lien on any settlement proceeds you receive. This means that when the case is resolved, the insurance company will be reimbursed for the amount they paid on your behalf. This can help to simplify the settlement process and make it easier for you to receive the money you’re entitled to and need to move forward.
It is important to note that using your own insurance to pay your medical bills upfront will not affect your ability to receive a settlement from the other party’s insurance company. In fact, it can actually increase your chances of receiving a fair settlement, as your medical bills will be paid, and you will not have to worry about them going to collections. Our legal team in Cleveland strongly recommends that clients use their own insurance to pay their medical bills upfront when they are involved in a personal injury case. The most important thing we want you to remember is that doing this can prevent your medical bills from going to collections and also help streamline the settlement process. It is truly in the best interest of the client to do so. If you have any questions about this process, or need help navigating your personal injury case, please do not hesitate to contact our office.