Is It Auto Insurance Or Health Insurance That Helps Drivers Hurt In Car Accidents?

If you are involved in an accident that takes place on an Illinois highway, it’s in your best interest to seek treatment as quickly as possible. Doing so may minimize the severity of a brain bleed, organ damage or other injuries that you might sustain in a wreck. As a general rule, your auto insurance policy is the first that is used to cover any medical expenses related to a car crash.

How much will your car insurance provider contribute?

In the state of Illinois, you can purchase up to $250,000 in personal injury protection (PIP) coverage. A PIP policy will reimburse you for the cost of seeing a doctor or obtaining medication to ease your pain. In some cases, it will reimburse you for lost wages or lost future earnings.

What happens if damages exceed your PIP policy limits?

If your losses exceed the limits imposed by your insurance policy, your health insurance policy may cover the difference. In the event that your health insurance provider won’t pay an outstanding balance, you will need to file a personal injury suit against the driver who caused the crash. An attorney may be able to help you do so before the statute of limitations runs out.

A legal adviser may be able to help you obtain a favorable settlement in your auto accident case. This may be done by introducing cellphone records, witness statements or other evidence during settlement talks or at trial. Even if a case is settled out of court, an attorney might file a lawsuit in an effort to preserve your rights.