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Why You May be Paying Medical Bills on an Accident That Wasn’t Your Fault

Car Accident Medical Stress

It should come as no surprise vehicle accidents rank among the leading causes of non-intentional injuries and deaths in the United States. No one deserves the trauma resulting from a motor vehicle accident, and this is doubly true when the accident was not your fault. After the initial pain and suffering, there are few things worse than finding out you are the one left footing the medical bills.

The following is a quick look at why you might be made responsible for medical bills even in an accident was not your fault and whether Las Vegas personal injury attorneys may be able to help you get the just compensation denied by the at-fault driver and his or her insurance.

3 Reasons the At-Fault Driver's Insurance Company May Not Pay:

  • The driver's insurer may determine through their own investigation their client wasn't at-fault. This can occur even if police at the scene issued tickets to the other driver or otherwise noted in reports the other driver was at-fault. Instead, the insurance company may say the factors leading up to and surrounding the vehicle accident show you as being the negligent party.
  • The at-fault driver's insurer may determine neither party was to blame and will simply refuse to pay, often pointing to another underlying issue (such as dangerous premises or poorly repaired roads).
  • The at-fault driver's insurer may deem their policyholder as driving recklessly (i.e. they were intoxicated, overly fatigued, or otherwise distracted) and may point to a clause that denies coverage in such scenarios.

Another issue may be uninsured or underinsured insurance coverage. The Las Vegas personal injury attorneys of GGRM have gone in-depth to why it is important to carry as much insurance as you can afford. Watch the video.

Consider if you were on a motorcycle and were hit by a driver in such a way it caused extensive damages requiring long-term physical therapy. If at fault driver only has the minimum liability insurance coverage, then their insurer will only pay out (in Nevada, at minimum requirements) $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $10,000 per accident for property damage. Because you were not at-fault, your own base limited liability policy will not cover any additional medical bills you might have beyond that covered by the at-fault's 15/30/10 policy.

However, if you opted for uninsured/underinsured motorist coverage, you may get compensation for all of your losses in the event the other party lacks the appropriate insurance coverage, up to the limits of your coverage.

Contact GGRM, the Las Vegas Personal Injury Attorneys

If you have been injured in an accident due to the fault of another party, contact the Las Vegas personal injury attorneys of GGRM at 702-388-4476 for a free case consultation. They will review your case and break down your insurance coverage with you. When it comes to getting fair compensation when in an accident, it pays to have the best legal team in Las Vegas on your side.

Steps To Take After a Car Accident Offer