If you were involved in a collision with a trucker in Middletown, NY and required immediate medical attention following the accident, you likely received a bill from the hospital for the services you had rendered. Now, if you’re wondering whether you are going to be held responsible for satisfying this bill or if there is another party that should be taking care of it, read on below.
The medical services that are rendered to the victim of a truck accident are often costly and unaffordable for many which is why most rely on their health and auto insurance for coverage. But what if your policy carries an expensive deductible or your insurer doesn’t want to pay the entire bill? Then what? Should you have to pay it or are there other parties that were involved in the collision who you believe should be held liable for footing the bill?
Well, the answer all depends on who was involved and what factors led up to the accident occurring.
Now, if you’re questioning liability and who should pay your medical expenses, then perhaps it is because you believe the truck driver or another party was responsible or partially responsible for causing the wreck. In the event they were, while you may need to file a claim through your own auto insurance policy to receive compensation for these medical expenses, you also have the right to sue the trucker and/or the company they work for. The reason you would likely need to file a claim through your own insurer is because New York follows no-fault auto insurance laws.
When living in a state that adheres to no-fault insurance laws, insurers are expected to pay their policyholders for medical fees, lost wages, funeral costs, and other out-of-pocket expenses, says the Insurance Information Institute (III). However, sometimes this isn’t enough to cover all your losses. When this happens, you may be able to recover damages, which is recognized as a form of monetary relief for things like medical bills, lost income, mental anguish, etc. from the liable party. You may also request that you are reimbursed for any amount you had to pay out of pocket, including a deductible, when you choose to sue.
Filing a lawsuit against a trucker and/or trucking company who caused an accident can be challenging, so its best you retain a Middletown, NY truck accident attorney.
Upon filing a lawsuit, which is a complex process in and of itself, you are going to need to prove why you are entitled to compensation. This means you are going to have to provide evidence that supports why the trucker and his or her company was responsible for causing the wreck. You are also going to need to gather and provide evidence that explains why you are worthy of being awarded damages. Now, if you wish to obtain a successful outcome and receive the funds that can help you pay for your accrued medical bills and more, it is essential for you to hire a legal representative to handle your case.
If you would like to speak with a truck accident lawyer in Middletown, NY who can determine who should be paying your hospital bills and how to file suit in your county, contact Isseks and Smith, Attorneys at Law.
You can contact Isseks and Smith at:
6 North Street
Middletown, NY 10940