The worst thing that could happen to a person while on the road is to get hit by a truck. Every truck accident has a high chance of fatality. However, if you happen to be lucky enough to survive, you will be able to file a claim against the party responsible for causing the accident.
Most people who survive a truck accident worry about their medical bills. Who will pay them, and who is responsible for covering the medical costs?
Keep reading to find the answer.
Your Own Health Insurance
If you have health insurance, your insurance could help cover your medical bills. It is simple: all you have to do is reach out to your insurance company, explain to them what happened and seek help in paying your bills. If they refuse to help you, for whatever reason, you should turn to truck accident attorneys in San Francisco and seek their help in obtaining the help for your medical bills. However, there should be no reason why your insurance would deny you the benefits if you paid for the policy in the first place.
The Truck Driver/ Responsible Party
If the trucker was the one responsible for causing the accident, they should be responsible for covering your medical bills. In other words, their insurance company should help cover you and your medical bills (current ones and the future ones, should your condition and injuries require additional medical assistance). This is where things can get complicated; most insurance companies will try to protect their interest, and you may face a denied of your compensation. If that happens, your best bet is hiring an experienced attorney to deal with the insurance company. If you do not have an attorney in mind, be sure to give our Truck Accident Attorneys in San Francisco a call right after the accident. They will gladly help secure and obtain your compensation, and do the negotiations on your behalf.
What If The Trucker Does Not Have Insurance?
In case the negligent party lacks proper insurance, your last resort (assuming that you tried your health insurance) is your Medpay (medical payment coverage), through your own auto insurance policy. However, Medpay is something that you either purchase or you do not when getting auto insurance. In case you paid additional funds and purchased Medpay, if there is ever an accident and no one to cover for your medical bills, Medpay will step in and help cover for your bills up to the coverage limits, regardless of who was responsible for causing the accident. In some cases, it may help pay for some of your medical bills, and sometimes it may take care of all of them. It depends on the injuries sustained and the type of Medpay you purchased in the first place.
For any additional information, feel free to call our seasoned attorneys and schedule a free initial consultation without any legal obligations, or leave us an email and we will respond within 24 hours.