When you think about an injury lawyer’s work, you probably imagine them in a courtroom, researching complicated legal issues, or reviewing medical records. However, at Crosley Law, we do much more than that. In addition to dealing with the insurance companies, we often try to reduce our clients’ medical bills by working with their providers.
In this article, we explain the important process of negotiating medical bills and how we’ve helped our clients.
How Do I Pay My Medical Bills After a Crash?
Who Pays the Medical Bills After an Auto Accident?Read More
Medical treatment is essential after a serious car crash; it can help you identify potentially life-threatening injuries, reduce your healing time, and link your conditions to the incident. However, even if you have health insurance, you’ll need to pay your medical expenses.
Thankfully, you can include both your current and future medical bills in your personal injury claims. Your lawyer will help you compile all of your medical bills and estimate your future needs. Then, they will use these numbers during settlement negotiations and at trial, working to get you the compensation you deserve.
Many times, the doctors, hospitals, and even your healthcare insurance companies will file liens, legal documents that assert an interest in your personal injury claim. Before you settle or close your case, you’ll need to address these unpaid bills and settle up with your providers.
Insurance Might Not Fully Cover Your Medical Bills
In Texas, a negligent or at-fault party is typically responsible for their victims’ injuries and losses. Unfortunately, many people and businesses don’t have enough liability insurance to cover catastrophic or multi-party claims. Even worse, an estimated 14% of Texas do not have auto insurance, according to the Insurance Information Institute.
What’s an Underinsured Motorist, and How Can I Protect Myself?Read More
If you’re dealing with an uninsured or underinsured motorist, you will likely file additional claims with your own uninsured/underinsured motorist (UM/UIM) and personal injury protection (PIP) policies. However, if you only minimum coverage or opted out of PIP and UM/UIM, you may still have unpaid medical bills.
In these cases, your medical providers may be willing to accept a reduced amount to settle your unpaid bills. A lawyer can help you negotiate a fair amount.
How to Negotiate a Medical Bill
After they’ve reached a settlement or verdict on your case, a dedicated attorney will try to negotiate reductions in your medical bills. However, these negotiations don’t just involve asking politely. Using their in-depth medical and legal knowledge, an experienced attorney will:
- Contact your medical providers and insurance companies
- Review their billing statements, typically on HCFA-1500 and UB-04 forms
- Confirm that the bills are related to your crash and double-check the billing codes
- Work with Medicare and Medicaid to protect their interests, in compliance with state and federal law
- Negotiate, when possible, reductions in your medical bills
While most doctors and hospitals want full payment of their bills, that doesn’t mean that they’re unreasonable. A skilled injury lawyer may be able to negotiate a significant reduction in your medical bills on your behalf, using their unique perspective, experience, and knowledge of your case.
Crosley Law’s Negotiating Skills Helped Our Client Remain Debt-Free
One of our clients was riding his motorcycle when a driver failed to yield the right of way, resulting in a violent collision. He suffered a catastrophic traumatic brain injury and spent several weeks in a coma. Even after he awoke, our client faced a daunting recovery that involved intensive physical and occupational therapy.
However, in addition to coping with his substantial injuries, he soon faced another problem. Before the wreck, he’d lost his health insurance. Our client had several hundred thousand dollars in medical and hospital bills.
Unfortunately, the other driver’s auto insurance had a policy limit of only $30,000, nowhere near enough to even make a dent in our client’s medical debts.
“While most doctors and hospitals want full payment of their bills, that doesn’t mean that they’re unreasonable. A skilled injury lawyer may be able to negotiate a significant reduction in your medical bills on your behalf, using their unique perspective, experience, and knowledge of your case.”
Crosley Law went to work negotiating with the health care providers to see if there was any way to reduce the amount our client owed. After several months of negotiation, we were able to reach an agreement where the health care providers accepted a portion of the $30,000 auto insurance policy limit as full satisfaction of the outstanding medical bills.
The result? Our client emerged debt-free, received a portion of the auto insurance proceeds, and avoided having to file bankruptcy because of his medical bills.
Crosley Law Is Dedicated to Helping Our Clients Recover Financially and Emotionally
Request Your Free Consultation
At Crosley Law, our job isn’t over when we close a case. Instead, we do our best to protect our clients’ futures by negotiating with health care providers to lower their medical bills. We also offer surprising extras. For example, we frequently work with a local organization that guides grieving families and provides them with meaningful support.
If you’ve been injured by someone else’s negligence and don’t know how you’re going to pay the bills, contact the attorneys at Crosley Law today. We’ll schedule a free consultation to sit down and discuss your case and options and how we can help you get the compensation you deserve.
Facts + statistics: Uninsured motorists (2019, September). Insurance Information Institute. Retrieved from https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
The content provided here is for informational purposes only and should not be construed as legal advice on any subject.
Related ArticlesView All Blog Articles
Delayed Neck Pain After a Car Accident: What It MeansDec 09, 2020
At first, you didn’t think the car wreck was that bad. The driver behind you was texting and driving, and because they weren’t paying attention, they rammed their vehicle into the back of your car. Your head snapped back and forth upon impact, but other than that seemingly minor injury, you walked away from the […]
What Is a Personal Injury Claim? (And Other Frequently Asked Questions)Nov 12, 2020
While you’ve probably heard the phrases “personal injury claim” and “personal injury lawyer” before, you may only have a general understanding of what they mean. Sure, they arise out of an injury, but what does a personal injury lawyer do, and what do these claims involve? At Crosley Law, we’re passionate about personal injury law. […]
Herniated Disc Settlements: What Is My Case Worth in Texas?Nov 04, 2020
Herniated discs. Bulging discs. Slipped discs. There are many names for this common, crash-related injury, but no matter what you call it, the effects can be life-altering. If you’ve suffered a severe spine injury and the insurance company offers you a settlement, you should consult a car accident attorney. Insurance adjusters frequently try to take […]
8 Questions You Should Ask Your Brain Injury LawyerOct 13, 2020
When someone’s negligence causes your brain injury, you deserve accountability and compensation. Often, the first step towards getting the help you deserve is finding the right brain injury lawyer. Here in San Antonio, the Crosley Law team has earned a reputation for a cutting-edge and client-focused approach to brain injury claims. We know how difficult it […]
How Much Do Accident Attorneys Cost?Oct 08, 2020
After a catastrophic accident, your finances can feel very uncertain, especially if you cannot work. Personal injury attorneys know this, and most won’t charge you a fee unless they recover money on your behalf. However, many crash victims are still nervous about the cost of hiring a lawyer, and some victims even try to handle […]
What Should I Bring to a Meeting With an Injury Lawyer?Oct 05, 2020
Many injured people feel stressed before they meet with a lawyer for the first time. This feeling is normal — maybe you’ve never worked with a lawyer before, so it’s a new experience. And, you’re most likely experiencing a lot of stress and anxiety in general after suffering a serious injury. Don’t worry! Any good […]
What to Expect During Discovery in a LawsuitOct 05, 2020
After a serious car crash or another incident, you need answers and compensation for your injuries. To get the justice you deserve, you’ll need to identify who caused your injuries and the extent of their reckless behavior. This isn’t an easy job, but you have powerful legal tools that can help. Discovery gives you access to evidence, […]
Does Mediation Mean Settlement? (And Other FAQs)Sep 11, 2020
Statistically, more personal injury cases settle than go to trial. However, negotiating a settlement is more complicated than making a couple phone calls. At Crosley Law, we carefully investigate our clients’ cases, calculate their damages, and build compelling arguments for their fair compensation. Many times, mediation is part of the settlement process. While you may have heard […]
Do Most Personal Injury Claims Settle Out of Court?Aug 18, 2020
While many personal injury claims settle out of court and prior to a trial, that doesn’t mean you can count on a fair settlement offer. In some instances, the defendant’s insurance company will eventually offer a reasonable and satisfactory settlement. But in many cases, this only happens because the victim hires an experienced personal injury […]
Living With a TBI: A Guide for Survivors and Their Loved OnesAug 06, 2020
It may only take a few weeks to recover from a mild concussion. However, most people with moderate or severe TBIs face a lifetime of challenges. We’ve worked with many TBI survivors, and we know that every brain injury is different. At Crosley Law, we never lump every survivor into a single bucket. We take […]
Do you or a family member
need legal advice?
Crosley Law Firm, PC is a professional corporation of trial lawyers focused on representing individuals and families who have suffered serious personal injuries or wrongful death. If you’ve been injured, fill out the form for a free consultation, or call 210-LAW-3000.