I often receive calls from people who were just injured in an autoaccident, who are in pain, but who are also unwilling to go to the emergency room, as they are concerned about the medical bills from the hospital, if the injured doesn’t have health insurance.
Not receiving an urgent care at a hospital if you are in serious pain within 24-48 hours after the accident or not going to see a doctor as soon as possible after the accident is a mistake for several reasons. First, even though you might think that you have not been seriously injured, there might be certain damage to the bone structure or soft tissue that would require urgent attention and that would help you recover faster.
Secondly, that fact that you haven’t received treatment shortly after the accident is going to be one of the strongest arguments by the insurance company that you weren’t injured very seriously. After all, they will say, if you were injured as seriously as you say – why didn’t you seek treatment immediately?
Lastly, in most cases you shouldn’t be concerned about the medical bills. Assuming that you have the insurance information of the driver at fault, the injury lawyer representing you will contact the hospital and will request that your bill is placed on hold until your injury claim settles. If you didn’t manage to obtain an insurance information form the other driver, such as it happens in hit-and-run accidents, you will still be able to negotiate your medical bill with the hospital in most cases and/or agree on a very reasonable payment plan.
So, make sure that you get the medical care you need at the emergency room after being involved in an accident or some other kind of medical attention soon as possible, this will ensure better recovery and will protect your legal rights when you negotiate settlemet with the insurance company.
The direct benefits of having uninsured motorist (UM) coverage on their car insurance are obvious to most drivers. Such a coverage provides compensation for the insured’s bodily injuries and property damage in the event of collision with another driver, who does not have a valid liability insurance. In some cases, the uninsured motorist coverage also operates as underinsured (UIM) coverage, under which the injured party might obtain additional recovery from its own policy if the recovery from the liable party was not sufficient to compensate for all the injuries and damages, because that other party’s policy was insufficient, and he was “underinsured.”
However, every drivers should consider the other profound but not so obvious advantage of having uninsured motorist coverage. Generally, the more responsible people are also act more responsible on the road and are generally considered to be safer drivers. A person who is not responsible enough to comply with the law and have a liability insurance is more likely to drive irresponsibly and create dangerous situations on the road by speeding or otherwise acting “cool” on the road. Thus, the likelihood of getting into a serious accident with an uninsured motorist is higher than with a driver who is properly insured.
Further, people who cause serious accidents tend to flee from the scene of the incident more often to escape significant liability. An uninsured driver has even more reasons to try and run from the scene of the accident in order to not be cited for not having valid insurance. For a relatively small cost, your uninsured motorist coverage will cover your expenses for damages and injuries in a hit-and-run situation as well.
So, make sure you have an uninsured/underinsured coverage on your car insurance policy, as it provides significant and important protection for the most serious accidents.