My name is Kurt Arbuckle. I’m an attorney here in Houston and I represent people who’ve been involved in a personal injury claim whether it’s from a dangerous product, whether it’s from an automobile collision, or whether it’s from a dangerous condition on a property.
One of the questions I get asked is, “I’ve been injured and I need to get medical treatment. How am I going to pay for this medical treatment?” Well, ultimately of course, part of your claim will be to recover medical expenses from the other side. But in the meantime, how do you pay for that? There are several ways.
First of all, your own insurance policy has something called personal injury protection and it will pay up to $2,500, sometimes people get more coverage than that, but it will pay at least that much no matter who’s at fault and it will help you reimburse some of your medical expenses.
Some policies, and I recommend that if you don’t have this you get it, have something called Med Pay. Med Pay again pays additional sums towards medical. In addition, just the fact that you’ve been in an automobile collision does not mean that you can’t use your own health insurance. You certainly can use your health insurance through you’d pay it back later on out of the claim. But in the meantime, you can use that insurance to get the medical treatment you need.
So you can pay for your own medical treatment using these tools even before the claim is completed. Now, if you have Medicaid or Medicare, those will also pay for your medical expenses pending the claim. Again, Medicaid and Medicare will get paid back out of the proceeds of the claim, but in the meantime you can certainly use those to help pay for your medical expenses.
I recommend to you that if you have significant medical bills related to any kind of personal injury claim, that you definitely need a lawyer to help you work it out. If worse comes to worst, if you don’t have any insurance and there’s more medical that needs to be done than your personal injury protection and Med Pay covers, we can also talk to the doctor or the hospital or whoever is doing the medical care about entering into an agreement that protects them from the proceeds of the settlement to make sure that they’ll get paid if they go ahead and give you the medical treatment you need without being paid immediately.
So if you have significant injuries, a lawyer can help you with that.