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Which Medical Expenses are Covered in a Car Accident Personal Injury Claim?

Which Medical Expenses are Covered in a Car Accident Personal Injury Claim?

If you were recently injured in a car accident, you may be able to recover some of your medical expenses. Insurance is supposed to do this for you, but sometimes, it’s necessary to file a personal injury claim instead. Most motor vehicle laws allow you to recoup the cost of healthcare treatment, be it physical or psychological.

Here is a broad overview of medical expenses that you could receive when a car accident leads to a personal injury claim.

How Do Personal Injury Claims Work?

When filing a claim, you will typically work with an insurance adjuster or legal representative to negotiate a settlement. You must gather evidence of the incident, such as medical records, video, pictures, witness statements, and so on. Also gather documentation of your injury’s impact, such as lost wages. If you cannot reach an agreement, you should take the case to court.

Medical Expenses a Personal Injury Claim Can Cover

  • Medical Bills
    Can include anything such as doctor visits, imagining, physical therapy, surgery, and so on
  • Mental Health Treatment
    Appropriate if you directly suffered psychological harm from your accident, such as PTSD
  • Prescription Medication Costs
    For any drugs directly related to your injury and recovery

Other Expenses a Personal Injury Claim Can Cover

  • Lost Wages
    This refers to any income you lose because of your injuries. You will need documentation that proves this claim. This includes pay stubs, tax returns, and other financial records. If you are self-employed, your documents must show your earnings before and after your car accident. You must also demonstrate that your injury directly caused this loss.

    You may also be entitled to compensation for lost potential income. This is money you could have earned if you had not been injured. Proving this includes medical records that show the extent of your injuries and the impact had on your ability to work. You can also secure statements and records that reveal any promotions or career advancements you missed.

    If you are a business owner, you may also be entitled to any profits your business lost because of your injuries.
  • Pain and Suffering
    This is money a plaintiff pays when you have suffered physical and emotional harm. Pain and suffering compensation is difficult to quantify. It encompasses a wide range of subjective experiences. You will need an experienced attorney to calculate these damages.
  • Travel and Lodging Expenses
    In some cases, you could also recover expenses surrounding your recovery but not directly related to it. Perhaps you needed to travel for special surgery. Maybe needed a friend or family member had to put their life on hold to help, and they need compensation. With the right documentation and a good attorney, these costs could be recouped as well.

Getting the Most Out of Your Personal Injury Claim

To repeat, make sure you document every expense related to your injury. This includes medical bills, prescriptions, receipts, and any other expenses.

Do not downplay the extent of your injury or physical pain. Be honest with your doctors, insurance company, and lawyer, as this will strengthen your case.

Choose an experienced lawyer who can guide you through the legal process and provide you with the best chance of a successful claim. By following these tips, you can increase your chances of receiving the compensation you deserve for your injuries.

If you’ve been hurt in a car accident, Alex & Associates, P.C. is here to help. We offer free consultations, so contact us online today or call us directly at (602) 483-6114.