The medical bills after a bicycle accident can be substantial. Common bicycle accident injuries include brain injuries, broken bones, internal bleeding, back injuries, and severe lacerations. Some injuries caused by bicycle crashes can require expensive medical treatment, which the person cannot afford to pay.
If you are not at fault for the bicycle accident, the person who caused the crash should be liable for paying your medical bills. However, you may not receive compensation for medical costs for more than a year or longer after the accident.
In this article, our Kansas City bicycle accident attorney discusses:
- Sources of Payment for Bicycle Accident Medical Bills
- How Can An Attorney Help If I Cannot Pay the Medical Bills After a Bicycle Accident?
Sources of Payment for Bicycle Accident Medical Bills
Depending on your injuries, you may incur a variety of medical expenses related to your bicycle accident including:
Emergency room charges
Physical therapy and occupational therapy
Vocational or rehabilitative therapy
The source of payment for your medical bills depends on the facts of your case. Common sources of payment for medical bills include:
- Health Insurance Coverage — Your private health insurance provider, Medicaid, or Medicare may pay your medical bills from the bicycle accident. However, the insurance provider has a subrogation claim against the proceeds of an injury claim. The provider can demand reimbursement for medical bills it paid related to the bicycle accident if you receive compensation from a liable party.
- PIP Insurance — Personal Protection Insurance (PIP) coverage is no-fault insurance coverage that pays medical bills regardless of who was at fault for the crash. Kansas requires drivers to carry PIP coverage. If someone in your household has a PIP policy, you may also be covered. Because PIP is a no-fault insurance policy, you can receive payment for medical bills quickly by filing a PIP claim. However, the insurance provider is only required to pay claims up to the policy limits, which may be very low.
- Liability Insurance for the Driver — If a motorist caused the bicycle accident, you might be entitled to compensation from the driver’s liability insurance provider for your medical bills and other damages. However, the insurance company does not pay your medical providers directly. You cannot receive any funds for medical costs from the insurance company until the claim is settled, which could take a year or longer.
- Liability Insurance from Another Party —If hazardous road conditions or a defective part caused your bicycle crash, you might be entitled to compensation from a property owner or bicycle manufacturer. As with a motorist claim, you will not receive any compensation for medical bills until the claim is settled.
A Kansas City bicycle accident attorney investigates sources of compensation when he investigates the bicycle accident. Therefore, your attorney may advise you that there are other potential sources of compensation for your injury claim in addition to the above sources.
How Can a Kansas Bicycle Accident Attorney Help If I Cannot Pay the Medical Bills After a Bicycle Accident?
Your bicycle accident attorney cannot force an insurance company to pay medical bills or settle an accident claim. Since you do not want to settle an injury claim before you complete your medical treatment, it could be some time before you receive any money for your claim. However, you must receive medical treatment to protect your health and your legal rights.
When you cannot afford to pay your medical bills and you do not have insurance to cover the bills, your attorney may be able to help. Many medical providers accept a letter from your attorney stating that you have a claim against another party and any medical bills outstanding when you settle your claim will be paid from the proceeds of settlement before you receive any money. The letter creates a lien against your settlement proceeds; therefore, your attorney must pay the medical bills when he receives money for your claim.
If you do not receive enough money to pay the medical bills in full, you are legally responsible for payment of the bills. However, your personal injury lawyer may be able to negotiate a lower payment with some or all of your medical providers so that you can pay off the medical bills and receive some money for your bicycle accident claim.
Contact Our Bicycle Accident Law Firm for a Free Case Review
Call our law firm today at 816-203-0143, for a free consultation with a Kansas City personal injury lawyer. Our law firm represents clients throughout Missouri and Kansas. During your free appointment with an attorney, you can ask questions about filing a bicycle accident claim, the compensation you may receive for an injury claim, and ways in which you can manage medical bills while you receive treatment and work to settle your bicycle accident case.