Personal health insurance coverage, Medicare or Medicaid coverage, and personal auto insurance coverage can take care of medical costs while a car accident victim waits for a settlement. Failure to seek treatment on time could make the injuries go from treatable to permanent conditions or even permanent disabilities. Even if a person isn’t in a position to pay up-front, he or she can still seek medical attention and see how these options can take care of initial medical costs.
Personal Health Insurance Coverage
Personal health insurance coverage is arguably the most common option for medical care when cash is low. It covers medical expenses regardless of fault. The best part of this option is that no third-party gatekeeper will interfere. Personal health insurance can cover ambulance costs, emergency room care, surgery, and examinations by specialists. It can also cover hospital stays, X-rays, CT scans, and more.
Medicare and Medicaid Coverage
A Medicare or Medicaid coverage helps provide medical assistance to individuals with low income. The catch with these medical assistance options is that they don’t cover all medical costs. Depending on the policy, exclusionary clauses may keep the injured party from receiving full coverage for treatment.
Auto Insurance Coverage
Personal auto insurance coverage provides compensation and medical coverage in case of car accidents and collisions. The payment received from an auto insurer works like a supplement to other forms of personal injury compensation, such as workers’ comp and no-fault benefits. An accident victim can receive payment without having to submit a claim from the liable party through a subrogation against the liable party’s insurance provider or a direct settlement with the liable party.
A Las Vegas car accident lawyer can analyze crucial documents and present convincing evidence to prove liability in the car accident claim. The lawyer can communicate with the insurance adjuster for the liable party (or parties). The lawyer can also negotiate a reasonable settlement with the liable party’s insurance adjuster.
Subrogation
Subrogation refers to a right that allows most insurance carriers to legally recover damages incurred by the insured from a third party. In most instances, the accident victim’s insurance carrier settles the victim’s claim for damages directly. The insurance carrier then pursues reimbursement from the at-fault party or the at-fault party’s insurance provider. The insured accident victim obtains compensation on time, then the insurance carrier brings a subrogation claim against the at-fault party.
Covering Long Term Care Costs After a Las Vegas Car Accident
One of the most effective ways to cover long term care costs following a car accident in Las Vegas is to bring a lawsuit against the liable party. Through a personal injury lawsuit, the injured party can obtain the money he or she requires to cover the cost of the much-needed long term care services.
Recovering Medical Compensation
After a car accident, the injured party may be eligible for two forms of medical compensation for his or her medical bills from a car accident, including initial medical expenses and long term care costs.
Initial Medical Expenses
Initial medical expenses refer to initial costs incurred in treating and caring for injuries. These costs include the injured party’s first hospital visit, medications, surgery, and physician fees. The party can recover these costs through an out-of-court settlement or a court-awarded settlement.
Long Term Care Costs
Long term care costs refer to expenses incurred in treating or rehabilitating permanent or long term injuries that require ongoing medical treatment, therapy, special medical devices/equipment, and prescribed medication. The injured party has the right to seek medical compensation to pay for the cost of follow-up appointments and medical treatment after his or her accident.
An auto accident attorney can investigate the specifics of a car accident and collect sufficient proof to compel the liable person or entity to reasonably compensate the injured party. The attorney can also review the injured party’s medical reports to determine the full extent of medical damages the injured party should recover.
What Is Long Term Care?
Long term care describes the various services a person gets from another person when he or she can’t perform them independently. Long term care needs can arise from a car accident, old age, or chronic illnesses like Alzheimer’s disease. Most long term care services are offered inside the injured party’s home to help the party live independently.
Long term Care Following a Car Accident Injury
Car crashes can inflict serious injuries on the driver or other car occupants. The injuries can force the injured parties to rely on long term care facilities, either permanently or temporarily. Traumatic brain injuries or spinal cord injuries are some of the serious injuries that can force injured parties to rely on long term care facilities.
Common Long Term Care Services Following a Car Accident Injury
Long term care services address both the physical and emotional needs of injured parties. Long term care providers usually tailor their services to the unique needs of the injured party. Eating, personal grooming, transportation services, physical therapy, and landscaping and maintenance work are the most common long term care services.
