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There are many ways that you could cover or pay for medical bills incurred due to a car accident. When you meet with your Dallas car accident attorney, be sure to mention what insurance coverage you may have available.

The following types of insurance policy might cover you if you are qualified:

• Health insurance coverage through an employer.
• Health policy that you purchased for yourself.
• Health insurance coverage through a spouse if you are married or through a parent if you are a student or under the age of 27 and living with your parents.
• Workers’ compensation insurance if your car accident happened while you were working and if the driving was part of your work.
• Your own automobile insurance policy if you have medical payments insurance coverage.
• The driver’s automobile insurance policy if you were a passenger in a vehicle that experienced an accident.

If you are uninsured and financially able to do so, you can pay your own medical bills as they are incurred.

All of the above payment methods would cover you as you are billed for medical services. If the person or company who caused your injuries is covered by liability insurance, your bills could be paid by them, but only after a settlement has been reached. Many doctors and hospitals are willing to wait for payment until resolution of your Dallas car accident case, but let them know in advance.

Car accidents can be incredibly stressful, especially if you have an injury. You must deal with insurance companies, answer phone calls, and figure out what you should do. If you have been injured, contact the law offices of Dallas car accident attorney Dean Malone to ensure that you receive fair treatment in your case. Call (214) 670-9989 for more information.

- Guest Contributor

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When someone is seriously injured, the effects can go far beyond physical pain.  The inability to physically function as before can lead to the loss of a job or a relationship.  Self-esteem might suffer.  Depression can set in.  Job loss, and the corresponding income loss, can lead to calls by debt collectors.  The possible effects of a serious accident seem endless.  So, what does this have to do with the timing of settlement?

Most cases involve a person, through his or her lawyer, attempting to obtain money from an insurance company.  There are not “direct actions” in Texas against insurance companies for, as an example, auto accidents.  If a person cannot obtain adequate compensation for injuries, the person must sue the responsible driver(s).  The harmed person cannot sue the responsible driver’s insurance company.  Even so, the fight is usually really with the insurance company.

An insurance company (such as State Farm, Farmers, or Allstate) will hire an attorney to represent the driver responsible for the wreck.  Many insurance companies “hire” their own employees to represent at-fault drivers.  While the attorneys owe the highest (fiduciary) duties to the at-fault driver, the attorneys are still paid by their employer-insurance company.  Insurance companies, unlike most of us, seem to have endless funds.  They are never in a hurry.  They can use this to “freeze out” a person who cannot pay his bills as a result of being injured by another person.  If the personal injury lawyer does not vigorously prosecute the claims, the insurance company can drag out the case.  After months of pain and collection calls, many people will settle their claims for far less than adequate compensation.

Aside from the “rush to settlement” as a result of circumstances arising form a car crash, there is another good reason not to settle too quickly.  If a case must go to trial, a person gets one shot at getting appropriate compensation.  A person cannot have one trial, be compensated by a judge and jury, and have another trial years later if further physical problems develop.  Be sure that you are physically stable and reasonably informed about likely future medical care before settling your claims.  Otherwise, you might not have enough money when the time comes for further treatment.

Generally, if a person in Texas is injured at work, and the employer does not have workers’ compensation insurance, the employee can sue the employer for the injuries.  An employer without workers’ compensation insurance is referred to as a “nonsubscriber.”  Texas law encourages employers to obtain workers’ compensation insurance and in fact penalizes employers who choose not to do so.  If an employer has appropriate insurance, the employer can only be sued for injuries in very narrow circumstances.  However, if an employer chooses not to obtain workers’ compensation insurance, then the employer can usually be sued by an employee for all injuries occurring at work.  Moreover, an employer without workers’ comp waives, or gives up, its defenses to an injury lawsuit.  You can search for an employer and find out if it has workers’ compensation insurance here -

https://www.ewccv.com/cvs/