If you are wondering what to do if your injury settlement cannot cover all of your medical bills, you are not alone. Many people find that the settlement they receive does not accurately reflect the expense of their injuries, particularly if future care or long-term rehabilitation is involved.
At Werner, Hoffman, Greig & Garcia, we understand the frustration of learning that an insurance company’s offer is not meeting your needs. Our personal injury attorneys could help you explore additional compensation options and protect your rights before and after finalizing a settlement.
What Can You Do if Your Settlement Is Not Enough?
If your settlement does not cover the cost of your injuries, you may have other options to help pay your medical expenses or to explore new options for financial relief.
- Negotiate with healthcare providers: Hospitals and doctors may agree to reduce your amount owed or set up a payment plan
- Review your insurance coverage: Your health insurance or Personal Injury Protection benefits may still pay for some outstanding expenses
- Identify other liable parties: If multiple people or entities contributed to your injury, you might still have grounds for a separate claim
- Discuss lien reduction: An attorney could help negotiate lower repayment amounts for medical liens attached to your settlement
Our attorneys could carefully assess your case and identify all possible sources of recovery that can alleviate financial burden.
How To Protect Yourself Before Accepting a Settlement
To avoid a situation where your injury settlement does not cover all your medical bills, you should make informed decisions before accepting an offer. Settlement is a final process, so preparation is essential if you wish to receive fair compensation for an injury. Before agreeing to an injury settlement, you should:
- Reach maximum medical improvement: Wait until your doctors confirm that your condition is stable and long-term needs are clear
- Keep detailed documentation: Track all medical expenses, therapy costs, and prescriptions related to your injury
- Project future costs: Use medical and economic experts to estimate future care and lost earning potential
- Let your attorney review each offer: Legal counsel may be able to make sure the offer represents the true value of the claim
By taking these steps, you will be able to make an informed decision and secure your financial future.
Contact Werner, Hoffman, Greig & Garcia if Your Injury Settlement Does Not Cover All Your Medical Bills
If your proposed injury settlement cannot cover all your medical bills, you do not have to deal with the financial strain alone. Our attorneys could review your agreement and help safeguard your future care.
In addition, we work on a contingency fee basis, so you pay nothing unless we secure compensation for you. Contact us today to schedule a free consultation and let our team help you retake control of your recovery.
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About the Author
Adam Werner is a partner and practicing attorney at WHG. He specializes in personal injury cases, workers’ compensation claims, and veteran disability benefits. He routinely writes about personal injury and workers comp topics for the Werner, Hoffman, Greig & Garcia blog.
