So what happens if the driver that hurt me only has a small insurance policy and and my medical bills are, quite honestly, bigger than that insurance policy?
That’s a good question and that’s a problem that we see regularly in cases. The most important point out of that question revolves around underinsured motorist coverage. That’s what underinsured motorist coverage is for. That’s why you having underinsured motorist coverage is extremely important. Because that exists to protect you just under that certain circumstance.
If you don’t have underinsured motorist coverage, the first thing to do is we want to make sure we resolve your case as quickly as we can when you have the lowest possible number for your medical bills. The less you owe the more money you’ll get. Then we have to go get reductions from health insurance companies that are owed money and medical providers that are owed money in order to create a scenario, quite frankly, where you actually get compensated for your injuries, as opposed to all the money going to pay somebody else. And then if you have underinsured motorist coverage we’re going to make that claim after all of that’s done. But that’s in general how that works. There’s certainly a lot more to it but if you’ve been hurt in an accident and you have a lot of medical bills from day one, make sure you call us and we’ll take care of all of this for you.