Who Pays Medical Expenses After An Accident?

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Christensen Law 
David Christensen  
25925 Telegraph Rd #200  
Southfield, MI 48033 
(248) 213-4900 
inquiry@davidchristensenlaw.com 
https://www.davidchristensenlaw.com 
https://plus.google.com/101403597068266196711/posts

After a serious auto accident, medical expenses like doctors' bills, hospital stays, and ambulance fees can add up quickly. It can be easy to get caught up in the system. You could find yourself trapped between medical providers trying to collect their fees and an insurance company that just won't pay.

Covered Medical Expenses

Michigan has one of the best no fault insurance laws in the country. It requires insurance providers to cover all medical expenses related to your accident with no limit. If you are seriously injured in a car crash and owe millions of dollars in medical debt, the insurance company and the Michigan Catastrophic Claims Association (MCCA) are required to pay all of it.

But the insurance companies and their lawyers aren't the type to go down without a fight. They have honed their abilities to carve out exceptions by claiming that your injuries weren't caused by the accident or that your care was not medically necessary. Here are just a few of their tactics:

Failure to Disclose Injuries

Very shortly after your accident, an insurance adjuster will contact you and ask you to describe your injuries. Sometimes, especially in brain injury cases, that call even comes before your doctors are done diagnosing your injuries. If you forget to mention that you hit your head or that you bruised your elbow, when it is later discovered that you suffered a traumatic brain injury or a hairline fracture, the insurance company will claim that it doesn't have to cover it since you didn't report the injury when asked.

Pre-Existing Conditions

If you have any medical history before the accident, the insurance company may claim that your medical expenses weren't a result of the auto accident. Michigan law allows you to recover if your condition gets worse because of your car crash, but this is an issue that often will have to be taken to trial since the insurance companies will almost always dispute the claims.

About David Christensen
LISTENING. PROTECTING. WINNING
At Christensen Law, we are leaders in helping victims of automobile and truck accidents. We understand the overwhelming challenges that come with these life-changing events, and we want to help. You are not alone – we will become your voice.

Christensen Law 
David Christensen  
25925 Telegraph Rd #200  
Southfield, MI 48033 
(248) 213-4900 
inquiry@davidchristensenlaw.com 
https://www.davidchristensenlaw.com 
https://plus.google.com/101403597068266196711/posts