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5 Ways to Reduce Your Medical Expenses in a Car Accident

Getting involved in a car accident is something no one wants to experience. Yet most will at some point. A 2020 report by Esurance found that 77% of all drivers have had at least one accident and that the average person files a car insurance claim every 17.9 years. So if you start driving by age 16, you are estimated to have 3-4 accidents over the course of your lifetime.

To give it even more weight, here is the reality – many accidents are ones we have no control over. You may be a very cautious and try to drive as safe as possible. But you can only control your car.  You can’t control the other drivers or the deer running across the road.

According to another survey, in 43% of car accidents, at least one driver or passenger sustains injuries. And these injuries may entail expensive medical bills. That’s why it’s imperative car owners get car and accident insurance. Otherwise, those medical bills and potential lawsuits could bankrupt you. 

So if you are looking for ways to lessen a medical bill from an accident, let this article be your car accident injury guide to help you cut down on the cost as much as possible. 

5 Practical Ways To Reduce Your Medical Expenses

Here are 5 ways to reduce your medical expenses if you have sustained injuries in an accident:

Make Use Of Your Car Or Accident Insurance

As a car owner, you required to purchase a car or accident insurance policy when you bought your vehicle. It’s the law. Having a policy in place can be your ultimate lifesaver in cases of car accidents. 

It would be best to study the terms and conditions of your plan. If the details seem fuzzy to you, contact your insurance provider for a more detailed explanation of your coverage. Make sure that you have the phone number of your insurance provider saved on your phone so that you can easily get in touch with them in case of a car accident.

Related Content: A Comprehensive Look at Auto Insurance and Why You Need It

Make A Claim For Liability Against The Person That Caused The Accident

It may be necessary to determine if someone else was responsible for the car accident. Law enforcement on the scene should determine that. But people sometimes fight that decision.

So you may have to go through a legal process and win the case so that monetary compensation can be provided to cover medical bills. As a general rule, the person who was more careless and caused the car accident must pay at least a portion of the damages incurred by the other party.

As mentioned, there are some legal considerations to make this happen. Several simple propositions determine legal responsibility for almost all accidents, including car accidents. For example: 

  • An employer may be held liable for an accident caused by a negligent employee while performing his duties. 
  • A property owner is responsible for maintaining a property that is poorly constructed or maintained, regardless of whether the owner created the hazardous condition.
  • Defective products, in this case, the car, can cause accidents. Therefore, the car manufacturing company may be held liable if proven that the product is defective or faulty. 

Buy Generic Brands For Prescription Medicines

Liability claims against third parties are notoriously difficult to settle. In some cases, you may not receive your first settlement check for years, particularly those that go into trial. And while you are waiting, you need to get medicines to treat whatever injuries you have. 

The practical way to save on medicine is to opt for generic drugs over brand-name drugs. There are often cheaper generic versions of prescription drugs than their name-brand counterparts. There is no difference in efficacy between generic and name-brand medications. Generic options allow you to save thousands of dollars by taking advantage of them.

Related Content: Students Comparison Shop for Generics and Win Big

Discuss Options With Your Doctor

Consult your doctor before committing to anything if your injuries require further treatment. Your welfare and recovery are the ultimate goals of your doctor. But getting there may require additional funds. 

Ask your doctor about alternatives that are less expensive but can still be effective. Some procedures may take a longer recovery but will not make you worry financially.

Always Review Your Medical Bills

Paying attention to every small detail is crucial in billing and payments. Even medical billers can make mistakes occasionally. Therefore, you must make sure that your medical bills are accurate.

Always request an itemized bill so you can review the charges more quickly. It will be easier to analyze your records if you have a clear breakdown. If you need clarification, don’t hesitate to contact an authorized personnel to discuss the bill in question with you. 

Final Thoughts

Reducing medical bills after a car accident is possible, though you may have to take extra steps to make it happen. Others may suggest hiring an experienced car accident lawyer to make these additional steps faster so that you are guided by a professional. However, this can come with additional costs.

In any case, you can always weigh things out and go for the best option, which will ultimately help you save up on your medical bills.

Leave a Comment or Answer a Question Below: Have you ever been hurt in an auto accident? If so, what did your insurance cover? Were there expenses that insurance did not cover? If so, how did you manage to pay for them? What other tips would you give someone who is facing this situation? 

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