As an experienced personal injury lawyer in Zephyrhills, Florida, Tonya Stewart and her legal team have helped many individuals with their injury claims over the years. One question we often get asked is, “Do I have to use my personal injury settlement to pay my medical bills?” If you are looking for the answer to this question, you’ve come to the right place. We are going to discuss some of the key things you should know about the topic below.
Settlement and medical expenses
The first thing you should remember is that a big part of your personal injury settlement usually goes toward paying off your medical expenses. These bills are critical to your claim, as they help your personal injury lawyer in Zephyrhills, Florida determine how much settlement amount you should get. When you suffer an injury — whether from a fall, a work accident, or a car accident — these bills can pile up fast, and they are proof of everything you have been through.
Florida’s PIP insurance in accidents
Florida’s Personal Injury Protection (PIP) insurance could be helpful if you get in a car accident. It covers your medical expenses, and it doesn’t matter who is at fault in an accident. But remember that PIP only covers 80% of your medical expenses (up to a specific limit). If your injuries are severe and your bills exceed the PIP ceiling, that’s when filing a personal injury claim becomes important.
The full scope of medical expenses
You should have a clear idea of what ‘medical expenses’ means. Many people assume that it only consists of your ER visits — but it also includes your X-ray, physical therapy sessions, and even possible future medical needs. Your personal injury lawyer in Zephyrhills, Florida should make sure every medical expense (present and future) is accounted for in your settlement.
Figuring out your settlement
In most cases, adding up your bills is not always enough. Your lawyer should work to carefully evaluate your future medical needs, especially if you are dealing with long-lasting injuries. This usually means consulting with medical experts who can estimate your future medical costs. It’s not easy, but it’s essential to ensure you get the compensation you need — money that helps you now and even in the long road ahead.
Medical liens
Medical liens are claims made by health insurance companies or government agencies (like Medicare or Medicaid) that pay for your initial medical expenses. They want (and are entitled) to be reimbursed from your settlement. Figuring out these liens is hard, but that’s exactly where a good personal injury lawyer can help. They will negotiate with the insurance company on your behalf and ensure you are not overwhelmed by repayments.
So, how can you best use that settlement money?
Getting a lump sum settlement might sound great, but it can be difficult to handle. In some cases, it may be best to think about a structured settlement instead. They give you a regular income and ensure you can pay for your future medical expenses. The key is to balance attending to your needs now and looking out for your future.
Looking for a Personal Injury Lawyer in Zephyrhills, Florida?
We know that accidents leave you with bodily injuries and financial worries. Are you looking for a personal injury lawyer in Zephyrhills, Florida who can take that weight off your shoulders? If so, look no further than Tonya Stewart and her legal team at Tonya Stewart Law PA.
We bring years of experience in getting our clients fair settlements that cover all their medical expenses and other damages. Are you ready to discuss your case? Contact us today at (863) 279-4473 to schedule a free consultation.