Dealing with the aftermath of a pedestrian accident can be a challenging and overwhelming experience. Not only are you left dealing with the physical and emotional toll of the accident, but you may also be burdened with expensive medical bills. In New Hampshire, determining who covers these medical expenses can be a complex process. It’s important to consult with an experienced pedestrian accident attorney who will guide you through this difficult time. They will work diligently to investigate the circumstances of the accident, gather necessary evidence, and negotiate with insurance companies to ensure you receive the compensation you deserve. Don’t face this challenging situation alone – contact an attorney near you today to protect your rights and receive the medical coverage you need.
The Role of Insurance Companies in Pedestrian Accidents
When it comes to pedestrian accidents, insurance companies play a crucial role in determining who covers the medical expenses. In New Hampshire, every driver is required to carry auto insurance that includes coverage for bodily injury liability. This coverage is designed to compensate victims for their medical expenses and other damages. However, insurance companies are businesses that operate with the goal of maximizing profits. As a result, they may try to minimize the amount they have to pay out in claims. That’s why it’s essential to have an attorney on your side who can advocate for your rights and ensure that you receive fair and adequate compensation.
New Hampshire’s Fault-Based System
New Hampshire operates under a fault-based system for auto insurance. Hence, determining liability in accidents is necessary and the at-fault party is responsible for the damages and injuries caused. In the case of a pedestrian accident, if the driver is found to be at fault, their insurance should cover the medical expenses of the injured pedestrian. However, proving fault can sometimes be challenging. Insurance companies will often try to shift the blame onto the pedestrian to avoid paying for the medical expenses. This is where having an experienced attorney becomes crucial.
How Are My Medical Expenses Covered Before a Settlement?
It may take considerable time to receive a settlement check in a pedestrian accident case, and there is no guarantee that you will even qualify for one. Much of your medical care will likely finish by the time you reach a settlement agreement or win a case in court. In the meantime, you likely have many costs that need to be covered. If you have health insurance, your carrier might cover their share of your medical costs in the meantime. If you have personal injury protection on your auto insurance policy, you might also use that to pay for medical costs. You are still responsible for your own cost share regarding deductibles and co-payments. Both you and the health insurance company should be reimbursed for the money you spend on your care. Your health insurance company will likely have a lien on your settlement, and they will be entitled to receive the money that they paid before you.
In the meantime, you may need to negotiate with your healthcare providers if you have bills that are coming due. They may agree to allow you to pay on a plan. They may even let you pay them back after you have received your money. Your healthcare providers may also place their own lien on your settlement or award.
Why You Need an Attorney After a Pedestrian Accident
Navigating the aftermath of a pedestrian accident can be overwhelming, especially when dealing with insurance companies and their adjusters who may try to minimize your claim. A pedestrian accident lawyer can provide invaluable guidance and support. Here’s why you need an attorney after a pedestrian accident:
Investigating the Circumstances of the Accident
Determining liability in a pedestrian accident requires a thorough investigation of the circumstances surrounding the incident. An attorney will work diligently to gather evidence such as police reports, witness statements, surveillance footage, and expert opinions to build a strong case on your behalf. They will reconstruct the accident scene and analyze all available evidence to prove the driver was at fault.
Negotiating with Insurance Companies
Dealing with insurance companies can be challenging, especially when they are hesitant to pay the full amount you deserve. An attorney will handle all communication and negotiation with the insurance company on your behalf. They will leverage their experience and knowledge to ensure your rights are protected and you receive fair compensation for your medical expenses, lost earnings, pain, and suffering.
Maximizing Compensation
An attorney understands the value of your claim and will work tirelessly to maximize your compensation. They will consider all aspects of your case, including current and future medical expenses, rehabilitation costs, lost earnings, diminished earning capacity, and pain and suffering. If necessary, they will work with medical experts to accurately assess the long-term impact of your injuries and ensure that you receive appropriate compensation.
Dealing with the aftermath of a pedestrian accident can be emotionally and physically draining. By hiring an attorney, you can focus on your recovery and well-being while knowing your legal rights are protected. An attorney will handle all the legal issues, paperwork, and negotiation, allowing you to prioritize your health and healing during this difficult time.
Contact a New Hampshire Pedestrian Accident Lawyer Today
After serious injuries while walking in New Hampshire, always consult a pedestrian accident attorney. They will guide you through the complex process of determining who covers your medical expenses and advocate for your rights. Insurance companies will try to minimize your claim, but with the help of a skilled attorney, you can ensure that you receive fair and adequate compensation.
Do not face this challenging situation alone – contact an injury lawyer in Nashua, NH today to protect your rights and receive the medical coverage you need. During your free consultation, you can gain reassurance of your legal options for covering your medical expenses, both in the future and during the claim process. This can bring immediate peace of mind in a very stressful time.