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Bringing Compassion and Service to Personal Injury Victims in Texas
After an accident, life can feel overwhelming. If you or a loved one have suffered an injury in a car accident, at work, or due to defective equipment or someone else’s negligence, all that matters in the immediate aftermath is making the pain stop.
You may be dealing not only with the physical pain of your injuries but also emotional trauma and financial difficulties. The last thing you want to think about is negotiating with insurance adjusters, doctor’s offices, or hospital billing representatives. Knowing where to turn to get answers and help amid such a confusing and lonely time can be challenging.
The Crash Angels at Pelaez Law Firm our team of dedicated and compassionate lawyers is here to help you through this painful period. With our unique insight into the insurance industry and strong negotiating skills honed throughout our years of experience, we will work tirelessly to get you and your family the compensation you deserve for the trauma you have endured.
Personal service is at the forefront of our practice. Our clients are our priority, and we understand the pain you have endured.
Your empathetic legal team will take the time to get to know you and learn everything about your case to put you in the position to get the best possible compensation for your pain. No one should suffer alone. Call Pelaez Law Firm, Crash Angels, at 210-801-9314 for your free consultation. We can help.
Who Pays the Medical Bills After an Injury?
After you have been injured, you may wonder how to pay for the care you require. You may believe your care is completely paid for if you have medical insurance and the injury is not part of a workman’s compensation claim. Unfortunately, this is not always the case. If your injury results from a car accident and you have personal injury protection (PIP) benefits as part of your coverage, some of your expenses may be covered up to the plan limits. After your PIP benefits are exhausted, your health insurance may pick up some remaining bills. However, you will still be responsible for any deductibles, copays, coinsurance, and out-of-pocket costs that would typically apply to your health care plan.
If your injury results from another type of accident, your health insurance may pick up some or all of the expenses related to your care. Still, the regular deductibles, copays, coinsurance, and out-of-pocket costs apply again. If you don’t have insurance, you are responsible for the entire balance owed and must work out payment arrangements with your healthcare providers.
Will My Settlement Pay for My Medical Bills?
With the right attorney helping you, your settlement will include payment to cover the medical expenses you have incurred due to your injury. You must keep detailed records of all bills and statements you receive from medical providers to provide the most accurate accounting of the costs you have accrued. The Crash Angels at Pelaez Law Firm are dedicated to negotiating to get you the highest compensation possible.
What is a Medical Lien?
Healthcare providers may place a medical lien against your expected settlement from the injuries sustained in an accident. This stops any future billing until the case has been settled.
A medical lien is a legal contract between a patient and the healthcare provider that guarantees payment for their services from the settlement awarded. Many states have lien laws that protect healthcare providers since emergency medical care cannot be denied regardless of ability to pay.
Texas lien laws state, in relevant part:
“A hospital has a lien on a cause of action or claim of an individual who receives hospital services for injuries caused by an accident attributed to another person’s negligence.
An emergency medical services provider has a lien on a cause of action or claim of an individual who receives emergency medical services in a county with a population of 800,000 or less for injuries caused by an accident attributed to another person’s negligence.”
TX Title 5 § 55.001
If you are unable to pay the agreed-upon amount, the healthcare provider has the right to sue you and may receive a judgment against you. The account may go to collections and could affect your credit score if it goes unresolved.
What is Subrogation?
You may also come across the legal term “subrogation.” Subrogation refers to someone’s (usually an insurance company’s) right to collect money from the at-fault party for expenses paid on your behalf. Insurance companies use subrogation to recoup costs associated with injury claims. Both subrogation claims and medical liens are automatically paid from settlement funds before any money is sent to you. At Pelaez Law Firm the Crash Angels have the experience and dedication to get you and your family the highest compensation for your injuries.
When Should I Call a Personal Injury Lawyer?
If someone else’s negligence has caused your injury and you need help dealing with your insurance company and other healthcare providers, call the Crash Angels at Pelaez Law Firm. We bring experience, compassion, and dedication to solving all our clients’ needs. Call 210-801-9314 for your free consultation.
