If you’ve been in a car crash in Colorado, you need to file a personal injury claim for damages.
Marriage, children, and even emergencies are just some of the many life events that can be planned financially. However, few people plan on being involved in a car crash that changes their lives or budget for the rising cost of medical care that comes with serious injuries. For example, the average cost to stay in the hospital for three days is over $50,000.
The cost to reconstruct a broken leg is close to $18,000. These costs do not include follow-up appointments with the doctor, prescription medications, physical therapy, pain medication, or necessary medical equipment. You could look at a potentially eye-popping total once you factor in your emotional distress and lost wages.
Therefore, the expenses associated with a car crash could add up quickly, seriously affecting your ability to provide for yourself and your loved ones. Do your ever-increasing medical bills have the potential to interfere with your daily life in any way?
Colorado A no-fault insurance system
Colorado passed a no-fault insurance law to reduce litigation over minor injuries sustained in car accidents and encourage victims to seek medical attention immediately. In Colorado, drivers must carry at least $10,000 in personal injury protection (PIP) insurance. This policy will provide the bulk of the funds needed to treat injuries sustained in a car crash.
If your no-fault insurance company denies your claim or pays out all of your available benefits, then and only then will your health insurance kick in. It’s great to have insurance that covers medical bills regardless of who was at fault. Your benefits may be depleted after just one night in the hospital, however, because most drivers only carry the legally required minimum of $10,000.
Common Medical Bills After a Car Wreck
Costs associated with fixing or replacing damaged vehicles can add up quickly, and you might be unprepared for the total amount. You can expect bills from the following hospitals and clinics:
· medical devices,
· chiropractic care,
· in-house x-ray services,
· in-house medical doctors,
· in-house x-ray services,
· in-house medical doctors,
· As a form of treatment,
· physical therapy
The price of an MRI scan could approach $1,000. Therefore, if you sustain injuries all over your body in an accident, you may need to undergo multiple MRIs before and during your recovery process. Moreover, injuries to the spinal cord and neck, such as whiplash, sprains, strains, dislocations, and herniated discs, are common outcomes of automobile accidents.
In addition to chiropractic and pain management, it may take three to five weekly physical therapy sessions to help you heal from one of these ailments. A large herniation may necessitate spinal fusion surgery, which can cost over $100,000 and typically requires an additional $70,000 in rehabilitation expenses, even if treatment is maintained.
What would happen to your life if you had over $200,000 in unpaid medical bills but no medical insurance to cover them after using up your no-fault benefits?
A single MRI scan in the US can cost as much as $1,000.
Amounts Owed on Medical Bills and Credit Report
While negotiating or waiting for payment on medical debt, you should not be surprised to get calls from collection agencies because most medical institutions do not give advanced billing services. Many healthcare providers will immediately report unpaid balances to collections, and collections agencies may do the same.
About 43 million Americans have medical debt on their credit record, even though there is a waiting period before medical debt may impair their credit. That paid-off medical debt will no longer affect your credit. Your credit score will still take a hit even if you wait for a settlement or award from an insurance company or lawsuit related to your medical bills.
· Many things can go wrong if you have bad credit,
· including increased insurance premiums;
· being denied a job;
· having trouble renting or buying a home;
· being turned down for a mortgage, and being denied a personal or vehicle loan.
You may need some time to get your medical bills paid by a third party, even if you are eligible, and without the help of a skilled personal injury attorney, this may be difficult to do.
You should receive compensation right away for the harm you’ve suffered.
In Colorado, if you are injured in a car accident and are not found to be at fault, you are entitled to full reimbursement of your medical expenses. You can seek compensation from the at-fault driver’s insurance company up to its policy limitations, your no-fault insurance provider, or the responsible party directly. You can seek reimbursement for your medical bills in a personal injury lawsuit, including those for non-prescription medications and transportation to and from the hospital.
You may be entitled to compensation for more than just medical expenses, including compensation for your emotional distress and lost wages. It is important to keep track of any expenses, no matter how small, that are related to the treatment of your accident injuries.
Furthermore, let’s say your injuries prevented you from doing things like driving or cleaning as a result of your injuries. If that’s the case, you could ask for reimbursement for your money on hiring a third party to complete those tasks. Never accept anything less than full compensation after a devastating car crash in Colorado.
Put your trust in a Colorado personal injury attorney to represent your interests.
If you’ve been in a car accident in Colorado, no matter how minor your injuries are, you should immediately speak with a personal injury attorney. Unexpected medical bills in the thousands of dollars might arise from even one visit to the emergency room.
Many spinal and traumatic brain injuries don’t show symptoms for days or weeks after an incident, so it’s important to get checked out even if you don’t think your injuries are serious.
There is much information about personal injury litigation and insurance requirements in Colorado that the average person should not be expected to know. However, legal protections ensure you receive paid for your injuries following an accident.
Our mission at Warrior Injury Law is to secure full compensation for your losses. Regarding personal injury cases, no one in the Tampa Bay area can compare to the expertise of our lawyers. If you’ve been in a car accident, don’t hesitate to call us for a free, no-risk consultation.