Las Vegas Car Accident Attorney - Med Pay Accident

Las Vegas Car Accident Attorney - Med Pay Accident

By:


I'm often asked, "Do I need a Las Vegas car accident attorney if I'm injured in an accident, especially if it's clear that the person driving the other vehicle was at fault?" The short answer to that question is "yes". Even though liability may be clear, there are many other issues that need to be sorted out throughout the course of the case that requires the experience and work of an attorney. Insurance companies do everything they can to pay as little on claims as possible. That includes paying people less than they're entitled to for their injury claims. They often will try to obtain information about someone that's not represented in order to minimize the claim itself. They will also tell people who aren't represented that they will be fair in the end, only to change course once it comes time to pay. An attorney can help somebody through this process so that they avoid these types of pitfalls. Additionally, attorneys know what rights their clients have and will protect them from the conduct of the insurance company, and the insurance company's attempt to deny a claim, or to "low-ball" someone who's truly entitled to be compensated.

One of the major issues in any injury claim is proof that injuries are actually related to the accident itself, and insurance companies know that the burden of proof rests with the injured person. Attorneys can help the injured person to make sure that injuries are properly documented so that when it comes time for medical bills to be paid, and the person to be compensated for the pain and suffering that has been inflicted upon the as a result of those injuries, that documentation is sufficient, so the insurance company has no choice but to do what is right. In every case, whether liability is clear or not, an injured person certainly can benefit and should have representation by someone who works in the field of personal injury.

If you've never heard of Las Vegas "Medical Payments Coverage", it's an extra coverage that you can get through your insurance company. A lot of people I talk to say, "Oh, I have full coverage, I have everything I need.", but they really don't have full coverage. To me, full coverage is every coverage available: rental car coverage, uninsured coverage, under-insured coverage, and medical benefits coverage (commonly known as "Med Pay"). Las Vegas Med Pay coverage is a no fault health insurance policy that you have if you're in your car when there's an accident, and it covers anybody in your car, and it's usually sold in 1, 2, 5, or 10 thousand dollar increments (I carry $5,000 in Med Pay coverage). What that does is it will pay all of your out-of-pocket expenses, all of your co-pays, and all of your deductibles caused by a car accident, regardless of whether or not your caused it. Even if you have health insurance, there are a lot of costs that don't get covered, and Med Pay can cover those things. The other benefit for that: the at fault driver's insurance company doesn't get the benefit of the Med Pay, so if Med Pay benefits have been expended, the other driver is still responsible for all the bills and all the costs incurred.

One of the other things I tell all my clients about Med Pay coverage is that if you go to the hospital, don't bring in your car insurance. The hospital wants to use your Med Pay because it's like cash to them. But, if you have health insurance, use your health insurance. Hospitals will suck up all of the Med Pay and then they'll still bill your health insurance for the balance. So don't tell them you have Med Pay, just tell them you have health insurance. They're required to take it if you have it. The other thing I tell me clients about Med Pay is if you use it, because there's no fault (it doesn't matter if it's your fault or not) your insurance company can't raise your rates or increase your premiums or drop you if you use it, so there's no reason not to use it if you do have it.

As a Las Vegas accident lawyer, clients will ask me, "I'm coming in to meet with you, what should I bring with me?" I tell clients to bring everything with them that they think might be related to the case. If you've been in a car accident bring copies of any photographs you've taken with a camera or your cell phone (those can usually be uploaded or emailed). Bring anything you got from the police (if the police were called to the scene), or if you went and filled out a report, bring that report. If you got the little ticket stub that you get from the police officer (with the event number) bring that, because if we can get that event number we can get the police report. If you've already taken your vehicle in for repair, bring copies of any appraisals or damage estimates with you. Also, if you wrote down any notes either at the scene or when you got home, bring those. Those can sometimes be very helpful. Simply stated, bring everything with you that you think might be related to the case. It's better to have more information than not enough.

Lastly, I tell all my clients, "Write down any question that you might have for our meeting, and we'll go through them one at a time." That way you're not going to leave the office thinking, "Oh shoot, I forgot to ask two or three things." You'll know that every one of your questions has been answered.

About the Author:
If you are interested in learning more about: <a href="http://www.hennessandhaight.com/types-of-cases/automobile-accidents";>Las Vegas Car Accident Attorney</a>, then visit the Henness and Haight Injury Attorneys' site and learn more about these <a href="http://www.hennessandhaight.com";>Las Vegas Injury Attorneys</a> now!



Article Originally Published On: http://www.articlesnatch.com


Tags: , , , ,

|

Loading...
Related....
Videos...

Recent Legal Articles

Comments

Still can't find what you are looking for? Search for it!

Loading

Site Navigation:

Copyright 2005-2011 ArticleSnatch, LLC - All Rights Reserved.
Privacy Policy | Terms of Service.