If you’ve been injured in a truck accident, auto insurance coverage is usually your first option for covering your medical expenses. However, which policy pays for your claim and what happens when your bills exceed the available coverage can vary.
What Covers My Medical Bills After a Truck Accident?
Auto Insurance Coverage
In no-fault states like Florida, your own auto insurance policy’s personal injury protection coverage, or PIP, will pay for your medical expenses after a truck accident. PIP coverage is generally required in no-fault states. In Florida, PIP covers 80 percent of your medical expenses and 60 percent of your lost wages up to $10,000. However, if you suffer serious injuries, you may also be eligible to pursue a claim against the at-fault party.
In at-fault states like Georgia and South Carolina, the party responsible for a truck accident is also responsible for your medical expenses. This may mean pursuing a claim under the driver’s insurance and the trucking company’s coverage.
Since PIP coverage is usually optional in at-fault states, you may have to pay your own medical bills until your claim is processed. Optional Medical Payments coverage, or MedPay, may also be available to temporarily cover healthcare expenses.
Health Insurance Coverage
If auto insurance coverage isn’t immediately available after a truck accident, or if your expenses exceed your PIP limits, your private health insurance plan can help pay for the additional bills.
How Does a Truck Accident Lawsuit Help Compensate for Medical Bills?
If your losses exceed your policy limits, you may be eligible to pursue a lawsuit against the truck driver or trucking company responsible for the crash. Even in a no-fault state, you may be eligible to pursue a claim against the at-fault party if your injuries are severe and permanent.
If your insurance policy helped pay for your medical expenses, the insurance company may reseek reimbursement for those payments from the at-fault party through any settlement or verdict you recover.
Depending on the circumstances of your case, it can take months or even years to recover compensation in a truck accident. A trusted lawyer can walk you through your legal options, explain the likely timeline of your case, and help you plan your next steps.
If you were injured in an accident due to someone else’s negligence, Farah & Farah is here for you. We’ve relentlessly fought for the right to compensation for our clients and their families since 1979.
What Happens When More Than One Party Is at Fault for My Truck Accident?
Truck crashes often involve multiple liable parties, as trucking companies, freight loaders, and others can share blame if they contribute to causing the accident. Comparative negligence laws assign a percentage of liability to each party involved, determining the share of your damages that they’re individually responsible for.
An experienced truck accident attorney can help you pursue all liable parties and fight to secure all available compensation for your medical bills.
Let Farah & Farah Help With Your Truck Accident Claim
If you or a loved one has been injured in a truck accident, the experienced lawyers at Farah & Farah are here to help. Our trusted team can identify all of the coverage available to pay your medical bills, negotiate with providers to keep your expenses low, and pursue compensation from liable parties.
Call (877) 245-6707 or contact us online today to schedule a free consultation.
