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Auto Accident – Medical Needs Over Coverage Limit

After an auto accident, victims may experience serious injuries that result in costly medical bills. It is important to understand what happens when a victim’s medical needs exceed coverage limits.

Often, the cost of injury treatment is paid by auto insurance after a North Carolina accident. Motorists who are hurt in an accident can obtain compensation for medical bills, as well as other losses, from the insurer of a driver who hurt them. Sometimes, however, there is insufficient insurance coverage because the accident causes serious injuries necessitating very costly treatment.

The North Carolina Department of Insurance indicates that every driver in North Carolina must have $30,000 per person and $60,000 per accident in bodily injury liability coverage. This means the the insurance covers up to $30,000 per person but no more than $60,000 per accident, regardless of the number of victims.  If there are more than 2 persons injured, the injured parties will have to split the $60,000 amongst them based on their medical bills or injuries.

Many people purchase more than the minimum coverage because these limits are very low considering the costly injuries a crash can cause. However, there are still situations where injuries exceed available insurance. For example, spinal cord injuries could cost millions.

If medical needs exceed available insurance, the insurer for the driver who caused the accident will still not pay more than policy limits. Victims can turn to their own insurer for some additional coverage.  Most states, including North Carolina law allows driver’s to purchase extra auto insurance call underinsured motorist coverage. Underinsured coverage picks up the slack if a victim is hurt by a driver who doesn’t have sufficient insurance to pay for all damages.

Victims can also try to pursue a claim and recover money for medical costs from the driver personally, although victims may have difficulty actually enforcing a judgement depending upon how many assets the driver who caused the crash experienced.

Exploring other alternatives for receiving compensation, such as workers’ compensation claims,  or suing auto manufacturers, can also be worthwhile in appropriate circumstances.

A Charlotte, NC accident lawyer can provide assistance in identifying possible sources of compensation and in pursuing a claim for accident compensation to cover all medical needs.  Call an attorney for help as soon as possible when injuries are serious and costly to treat.

The list of prior client settlement results and client reviews/testimonials, do not constitute a promise of any particular result in any particular case, as each and every case is unique. Each case was handled on its own merit, and the outcome of any case cannot be predicted by a lawyer or law firms past results.

If a recovery or settlement by trial is made, the client will be responsible for costs advanced in addition to attorney fees. Client remains responsible for costs, expenses and disbursements, including medical bills, within the scope of representation. The attorney’s contingency percentage will be computed prior to the deduction of expenses from the total recovery.

The principal office for Auger & Auger Law Firm is located at 717 S. Torrence St., Suite 101, Charlotte, NC. The attorneys and staff of Auger & Auger Law Firm work and process all of the firm’s files at the principal office location in Charlotte, NC. Other office locations listed on our website are satellite offices that are not staffed daily. Satellite offices are operated for the convenience of our clients and who live outside of the Charlotte, NC metro area and are unable to meet with us at our principal office location. All meetings at our satellite offices must be made by appointment only. Phone numbers for satellite offices forward to our principle office location in Charlotte, NC.

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