Who Pays for Medical Expenses in My Colorado Personal Injury Case?

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Who Pays for Medical Expenses in My Colorado Personal Injury Case?

Who Pays for Medical Expenses in My Colorado Personal Injury Case?

It is always incredibly stressful to suffer a personal injury. It can be mentally exhausting and emotionally traumatizing. And of course, you can’t forget about the immediate physical injuries you have to deal with. When it comes to personal injury, it is not uncommon for victims to rack up exorbitant medical bills. This can make you feel even more helpless than you already do. After all, how are you supposed to recover from your accident if you cannot figure out a way to pay for it?

Luckily, Colorado law allows personal injury victims to be compensated for their injuries. If you have suffered an accident due to someone else’s negligence or otherwise wrongful actions, you may be able to hold that party liable for your medical bills. Other options may also be available to you, depending on your particular situation. In the state of Colorado, personal injury victims may also be able to look to the following parties to compensate for their medical expenses:

  • A healthcare provider that is willing to work on the basis of a Colorado medical lien
  • A private health insurance company
  • Colorado’s workers compensation
  • Government health insurance, such as Medicare

It can feel difficult to try to get your life back in order after a personal injury. You may not know where to even begin. If you are feeling overwhelmed by the mere thought of seeking out compensation for your medical bills, there is no need to fret. We are here to help. In this blog post, we will go ahead and give you a brief overview of proving your medical expenses, dealing with insurance companies.

Defining Medical Expenses

At this point, you may be wondering just what medical expenses even are. After all, the term can seem very vague and broad-reaching. You want to make sure you have all your bases covered. Fortunately, defining medical expenses is not at all difficult. Simply put, medical expenses are any and all costs that arise out of the necessary care to treat your injury. This can include (but is not limited to) the following:

  • Doctor bills
  • Hospital bills
  • Long-term care expenses
  • Medical equipment expenses
  • Medications
  • Mental health and psychological healthcare expenses
  • Ongoing and future medical expenses
  • Rehabilitation expenses

Dealing with medical expenses is always hard, but it is especially difficult when they are caused by an accident that was not your fault. If the responsible party had never caused your accident, then you would never have accrued such costs. This means you should not pay for them, either.

Health Insurance

The time after an accident can be extraordinarily upsetting if you do not have health insurance. You may be wondering if you will even be able to get any treatment at all—and how you will pay Who Pays for Medical Expenses in My Colorado Personal Injury Case?for it if you do. Here is a bit of good news: Colorado hospitals will still treat injured patients who are uninsured, and some hospitals are even willing to work on a lien basis.

What exactly does this mean? In the state of Colorado, this is defined as “a lien related to charges for medical care provided to a person injured by the negligence or wrongful act of another person.” Simply put, the hospital will take an interest in any potential settlement you may receive in your personal injury case. To break this down to be even simpler, a lien will be placed on any expenses owed to the hospital. This money will then be taken out of your final settlement amount.

It is less likely that you will have to deal with medical liens if you have health insurance coverage. In such cases, it is more likely that the victim will have their medical expenses paid for by their insurance provider (in the event that the liable party is not already paying for them). Your health insurance provider will also be able to be reimbursed for their costs through a right to subrogation. This means that they may collect their compensation through any trial award or out of court settlement amount.

Proving Medical Expenses

In any personal injury case, documentation is key. This is especially true when it comes to proving your medical expenses. After all, you cannot expect anyone to go solely on your word—even if you believe that you have a fairly “open and shut” case. You need to have evidence. The easiest way to do this is to keep thorough and detailed records from the start. You should always request any and all relevant healthcare agencies to send you copies of the following:

  • Hospital bills
  • Medical invoices
  • Receipts of any other costs associated with your treatment

Medical treatment may also require you to take some time off work or travel to a see a specialist. Because of this, it is also important for you to keep copies of your payroll and travel records. This may also help you recover other damages, such as lost wages and pain and suffering. You may also be able to collect compensation for things like loss of consortium. It is also possible for you to collect punitive damages if your case was particularly egregious.

It can be difficult to collect all the necessary evidence for a successful personal injury case. You already have a lot to deal with on your plate, and many healthcare providers may be sluggish in providing you with the requested records. Having a trusted personal injury lawyer on your side can help. A good attorney knows what to get and how to get it.

Seeking Legal Help

No matter what kind of accident you were involved in, we at Injury Victim Law may be able to help. Though we are a Colorado-based firm, our team of experts and investigators is ready and available to assist personal injury victims all across the country. Contact us today to schedule an initial consultation with one of our experienced nationwide personal injury attorneys. You should never have to pay for somebody else’s mistakes. Let us fight for you and get you the compensation you deserve.

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