A New Jersey resident who was the victim of a car accident in 2019 still has pain from the collision. His car was struck by another vehicle, resulting in damage to his vertebrae and his teeth. However, more pain and suffering have come from the ongoing struggle to rein in his medical expenses.
The victim’s car insurance policy covered $250,000 in medical expenses. After physical therapy and other treatment options, doctors recommended spinal surgery. That led to bills surpassing $700,000 from the hospital and surgeon. The insurance company negotiated the bill down and covered a majority of the remaining expenses. However, over $89,000 remained for payment. The victim’s health insurance company would not cover the outstanding amount, as the providers were out of the network. While that bill remains unpaid, the victim has not sought further treatment to deal with the lingering pain out of fear of future costs and continuing to pay high medical expenses.
This case highlights the nearly impossible tasks that come with car accident and other personal injury victims must undertake to resolve medical costs on their own. There are a variety of hurdles that can confound the uninitiated in getting the right care under the available plans, which may not work together if with different companies. It also shows that the seemingly high threshold of insurance coverage can be easily exhausted before the issue is truly resolved.
This story of confusion and outstanding debt should not be what everyone experiences. In accident cases, it helps to have an attorney to walk you through the process, and it matters who you choose. The car accident lawyers at Ellis Law can handle the intricacies of filing insurance claims and staying on the companies, so you have the best chance of not paying anything out of pocket, along with getting as much compensation as you deserve from the other driver’s insurance. Call today at 732-308-0200 or contact us online to schedule your free consultation. With our office in Freehold, New Jersey, we are proud to serve our neighbors in Freehold, East Brunswick, Toms River, Middletown, Jersey City, Neptune, Hudson County, Union County, Essex County, Monmouth County, Marlboro, and Ocean County, as well as Brooklyn and New York City.