Accidents Happen: 4 Steps That Can Help You Recover Physically And Financially
You've been injured in an accident. Now you're faced with the aftermath. If your injuries have left you unable to work, you're probably worried about income. You may also be worried about things like mounting medical bills or long-term care.
How you take care of business after your accident can determine how well you will recover, physically and financially. Here are some important steps you should take if you've been injured in an accident.
File for Short-term Disability
If you were employed at the time of your accident, you may be forced to miss work while you recover from your injuries. Don't be afraid to file for short-term disability through your employer. Disability payments are designed to help you when short-term disabilities prevent you from working.
Speak to the Hospital
Medical bills can build up quickly after an accident. If you don't have medical insurance, you may be faced with bills that you can't afford to pay. Even if you're not at-fault for the accident, the bills will still be sent to you.
Don't ignore them. Instead, contact the hospital as soon as the bills arrive. Let them know that you don't have insurance and that the bills are the result of an accident. In most instances, health care providers will be patient while you work through medical insurance details. They may also be willing to reduce the amount of your medical bills so that you have less to worry about.
Speak to an Attorney
Once you've been injured in an accident, you should speak with an injury lawyer. Even if you choose to go without legal representation, an attorney will be able to answer any questions you might have and will be able to help you understand your rights as an accident victim.
If you've tried going it alone, but you're having difficulty with your medical bills or the insurance company is not being cooperative, it may be time to hire an attorney. Your attorney may be able to negotiate with health care providers so that you can get the services you need while you wait for a settlement in your case.
Don't Rush the Settlement
Insurance companies know that you're going to want a quick settlement. While it might be in their best interest to have a speedy settlement, it might not be in your best interest, especially if you've sustained injuries that will require long-term care. Before you reach a settlement agreement over your injuries, be sure the settlement represents any future medical expenses you might have. Your attorney will work to ensure a settlement that is in your best interest.
If you've been injured in an accident, you're going to be faced with physical and financial challenges. This list will help you recover from some of those challenges.