In North Carolina, accident victims may be able to get past and future medical bills paid. Whether you can get treatment costs covered, and who is responsible for covering these costs, will be determined based on how an accident happened.
If you sustained injury on-the-job, workers’ compensation should pay for all medical bills associated with injury treatment for the duration of the injury. Workers’ compensation coverage for medical bills is available even if an employer was not negligent, provided it can be proved an injury or illness is related to work tasks.
For other types of injuries, past and future medical bills can be covered if you can prove some person or company caused your injury. Examples of situations where past and future medical bills may be paid include car accidents caused by another motorist; injuries resulting from medical malpractice; injuries on property due to negligent property maintenance; and injuries from defective products. In most cases, insurers such as auto or homeowners’ insurers will pay the bills for losses caused by policyholders.
To obtain coverage for past and future bills, victims must demonstrate that the person or company actually should be held liable. Victims also must provide proof of the costs incurred and must present testimony from credible medical professionals regarding future costs. Insurers (or those responsible for accidents) may make a settlement offer which includes compensation for medical bills. If no settlement is reached, going to court may be necessary.
The North Carolina Department of Insurance also indicates some motorists may purchase coverage for medical bills, and so may get covered by their own insurer for medical care costs regardless of who was at fault for a car accident.
To determine if you can get your past and future medical bills covered, and for help getting your bills paid by those who hurt you, contact a Charlotte, NC injury lawyer today.