After an injury, it’s easy to feel overwhelmed by the piles of bills coming your way – but there’s no need to worry with the help of our skilled Greenville personal injury lawyers. We aim to provide clear and comprehensive information regarding your options for paying medical expenses in a personal injury case. Keep reading for more, then call (864) 343-2222 to schedule your free case consultation.
Using health insurance
Your health insurance can immediately cover your medical bills following an injury. Using your health insurance ensures that you receive timely treatment without worrying about upfront costs. Remember that your insurance company may seek reimbursement from any future settlement or judgment you receive, a process known as subrogation.
Medical payment coverage (MedPay)/Personal Injury Protection (PIP)
MedPay and PIP are optional coverages available in auto insurance policies that can help pay for medical expenses, regardless of who is at fault. In South Carolina, MedPay and PIP can cover hospital bills, surgery, and even funeral expenses. This coverage can be particularly helpful for covering out-of-pocket costs that your health insurance doesn’t fully cover. Collecting MedPay or PIP does not affect your ability to collect liability coverage from the at fault driver’s insurance company.
Payment plans and medical liens
Some healthcare providers may offer payment plans or agree to treat you on a lien basis, meaning they will receive payment from your eventual settlement. This arrangement allows you to get the necessary medical care without upfront costs, but it also means that a portion of your settlement will go directly to pay these medical bills.
Workers’ compensation
You might be eligible for workers’ compensation benefits if your injury occurred at work. In South Carolina, workers’ compensation covers medical expenses, lost wages, and disability benefits. This no-fault system ensures that employees receive the necessary care without litigation.
Lawsuit settlements
Filing a personal injury lawsuit can help you recover compensation for your medical bills, among other damages. This process involves proving that another party’s negligence caused your injury. A successful lawsuit can result in a settlement or judgment that covers past and future medical expenses, lost wages, pain and suffering, and other related costs.
Government programs
For those who qualify, government programs such as Medicaid and Medicare can assist in paying medical bills. These programs are designed to help individuals with low income or disabilities and can cover a significant portion of medical expenses related to personal injuries.
South Carolina statutes
In South Carolina, the statute of limitations for filing a personal injury lawsuit is generally three years from the date of the injury (South Carolina Code of Laws Section 15-3-530) but is only two years for some claims, such as those against governmental entities. Filing your claim within this timeframe is crucial to preserve your right to seek compensation.
How Smith Jordan Law can help
Strong legal advice
Our experienced attorneys at Smith Jordan Law provide legal advice tailored to your situation. We help you understand your options for paying for medical bills in a personal injury case and guide you through each step of the process.
Negotiating with providers
We can negotiate with healthcare providers on your behalf to arrange payment plans or medical liens, ensuring you receive the necessary treatment without the immediate financial burden.
Comprehensive case management
From gathering evidence to filing claims and representing you in court, our team manages every aspect of your personal injury case. We work diligently to secure the compensation you deserve, covering your medical expenses and other related costs.
Need help paying your medical bills? We can help.
If you’ve been injured and need assistance with your medical bills, contact Smith Jordan Law for guidance and support. Your health and financial well-being are our top priorities.
