Car Accident Lawyer Penn Hills

If you’ve been injured in a car accident in Penn Hills, you need an advocate by your side. At Porta Clark & Ward, our car accident lawyers are dedicated to helping you navigate the complexities of personal injury claims and securing the compensation you deserve. We understand how overwhelming the aftermath of a car crash can be, and we are here to provide clear, compassionate guidance every step of the way. Reach out today for a free consultation at (412) 912-2381 to discuss your case with an attorney who will fight for your rights.

How to Get Help Paying for Medical Bills After a Car Accident in Penn Hills

Car accidents are disruptive events that can leave you with serious physical injuries and unexpected financial burdens. One of the most pressing concerns after a crash is how to cover your medical bills, especially if you’re unable to work while recovering. Fortunately, there are legal avenues that can help you seek compensation for your medical expenses. If you’ve been injured in a car accident in Penn Hills, understanding how to navigate the claims process and working with an experienced lawyer can make all the difference.

Understanding the Basics of Medical Bill Compensation

When you’re injured in a car accident, your medical bills can pile up quickly. Whether you need emergency care, follow-up treatments, or physical therapy, these expenses can become overwhelming. Fortunately, there are several ways to potentially recover these costs, depending on the circumstances of the crash and the available insurance coverage.

Health Insurance

Your health insurance may help cover the medical costs after a car accident. Most health plans will pay for a portion of your medical expenses, such as doctor visits, surgeries, hospital stays, and rehabilitation. However, there may be limitations, such as deductibles, co-pays, or out-of-network restrictions, which can still leave you with substantial out-of-pocket expenses.

If you have health insurance, make sure to use it for the initial treatment. Your insurer will generally pay for the care upfront, and later, your car accident lawyer can help you work out reimbursement from other sources, such as the at-fault driver’s insurance.

Auto Insurance – Personal Injury Protection (PIP)

In Pennsylvania, Personal Injury Protection (PIP) insurance is required for all drivers. PIP covers medical expenses and other related costs like lost wages, no matter who is at fault in the accident. This is important because it allows you to access funds for medical care without having to wait for a claim to be resolved.

If you have PIP coverage, you can file a claim with your own insurance company. PIP typically covers medical expenses up to a certain limit, and the amount you can recover depends on the policy limits you’ve selected. While PIP helps immediately after an accident, you may still need to pursue additional compensation if your medical bills exceed your policy limits.

Liability Insurance of the At-Fault Driver

If the other driver was at fault in the accident, their liability insurance could help cover your medical bills. In Pennsylvania, drivers are required to carry liability insurance that covers the injuries and damages they cause to others. After an accident, you can file a claim with the at-fault driver’s insurance company to recover medical costs.

However, insurance companies are often quick to offer settlements that are far less than what you need or deserve. To ensure that you receive fair compensation for your medical bills and other expenses, it’s crucial to have an experienced car accident lawyer on your side. A lawyer can help negotiate with the insurance company, ensuring they don’t undervalue your claim.

Uninsured/Underinsured Motorist Coverage

Not all drivers have adequate insurance coverage. In Pennsylvania, drivers are required to carry uninsured/underinsured motorist coverage (UM/UIM), which protects you if you’re in an accident with a driver who doesn’t have enough insurance—or any at all. If the at-fault driver’s insurance is insufficient to cover your medical bills, or if they don’t have insurance, your own UM/UIM coverage can help pay for medical expenses.

UM/UIM coverage typically applies when the other driver is either uninsured or their policy limits are too low to cover the full extent of your medical bills. Make sure you check your policy to understand the specific limits of your UM/UIM coverage, as this can vary from one insurance policy to another.

Filing a Lawsuit for Compensation

If you are unable to recover your medical expenses through insurance claims or if your bills exceed the limits of your coverage, you may need to file a personal injury lawsuit against the at-fault driver. This legal action can help you seek additional compensation for medical expenses, pain and suffering, lost wages, and other damages.

Filing a lawsuit can be a complex process, and it’s important to work with an experienced car accident lawyer who can gather evidence, negotiate with the insurance company, and represent you in court if necessary. A lawyer can also help determine the full extent of your injuries and medical costs, ensuring that your lawsuit addresses all of your current and future expenses.

Negotiating a Settlement

After a car accident, the insurance company may reach out to offer you a settlement. While it may seem tempting to accept a quick payout, it’s important to carefully review any offer before agreeing to it. Often, these initial offers do not reflect the full extent of your medical bills or future expenses, and accepting too soon could leave you paying out-of-pocket for additional treatment down the line.

An experienced car accident lawyer can help you negotiate a fair settlement with the insurance company. They’ll assess your medical records, projected treatment needs, and the overall impact of your injuries on your quality of life. This way, you won’t settle for less than you deserve.

Working with a Personal Injury Lawyer

Navigating the process of getting compensation for medical bills can be overwhelming, especially when you’re focused on healing from your injuries. A personal injury lawyer can help guide you through each step, from filing claims to negotiating settlements. They’ll also ensure that you meet all legal deadlines and handle the necessary paperwork, so you don’t have to worry about missing important details.

In Penn Hills, Porta Clark & Ward is a trusted law firm with extensive experience helping car accident victims secure the compensation they need to cover medical bills and other expenses. With a strong focus on client care and an understanding of local laws, Porta Clark & Ward can provide you with the support you need during this challenging time.

Turn Your Accident Into a Victory with Porta Clark & Ward

At Porta Clark & Ward, we are committed to ensuring that you receive the full compensation you deserve after a car accident. Our car accident lawyers are here to protect your interests and guide you through every step of the legal process. Don’t let the stress of an accident weigh on you—contact us today for a free consultation at (412) 912-2381 and take the first step toward the justice you deserve.