Imagine this scenario: your child is on a field trip, trips, and falls, breaking his or her arm. Whose fault is it? It was an accident, but what if your medical insurance chooses not to cover it?Medical debt from even a minor injury can be very expensive, and when the injury happened on someone else's property, an insurance company sometimes decides not to pay the claim, stating that the business or other party should be responsible.
A personal injury attorney may be able to help, but first, here are some things that you need to consider:
Who is truly at fault?
In the above mentioned scenario, deciding who is at fault will help to determine who is responsible for paying the medical bills. If the accident was truly no one's fault, and the insurance company is refusing to pay your claim, a personal injury attorney may be able to help you get them to take the responsibility of paying the claim.
If you are not behind on insurance payments, and there is no fraudulent activity going on, the insurance company is legally responsible for paying the claim. However, if the injury was caused or made worse by negligence on the part of the business, such as not maintaining the property or refusal to provide basic first aid, it may be the business owner's responsibility.
Speaking to a personal injury attorney can help you to determine if the accident warrants seeking legal action.
What if I don't want to sue anyone?
Often, it is possible that simply starting legal action will compel the responsible party to actually pay the claim. Most settlements are made out of court, and a lawsuit is not even needed. However, if there is a legitimate reason for needing to take legal action, keep in mind that the point of a lawsuit is not to be money-hungry, but rather to compel the responsible party to be responsible.
How can I afford to pay for an attorney?
Many personal injury attorneys operate their business on a percentage of the settlement. This means that they do not get paid unless and until you do. This can help to ease the financial burden caused by not only excessive medical bills, but also hefty legal fees as well. However, when you are requesting damages from a responsible party, it is important to keep this in mind, because when the case is settled, you will owe the lawyer's fees.
Unpaid medical bills can be a source of stress and strain on anyone's finances. Speak with a personal injury lawyer today to see if they can help. To learn more, contact a company like Watson Law Firm with any questions you have.