MINNEAPOLIS, Minnesota. Many people have medical insurance and auto insurance. However, not all people do. Some people opt to not purchase any insurance like this. Whilst this saves the individual some money initially, it actually ends up costing them more if they’re ever involved in a driving accident. People without this insurance will most likely receive an expensive bill for any treatment they have, depending on the severity of the accident. This is where negotiable skills are needed to try and get the medical bills reduced. For help with this, you can read more at Nova Credit. Sometimes, it’s easier to make sure that you have both insurance types to cover you, just in case. Additionally, if you would like to invest in some other insurance such as public liability insurance then you may want to check out some public liability insurance quotes from Tradesman Saver. There are so many different providers of insurance, for all sorts of matters. To get a quote check out public liability insurance provided by constructaquote.com. You purchase these policies to protect yourself should you require medical care or should you be involved in an accident. The law also offers protections to victims of car accidents and individuals hurt by the actions of a negligent party. Individuals have the right to sue other parties for their medical expenses and damages. But, what happens if you have health insurance or auto insurance that will cover your damages?
If an insurance company paid your medical bills or covered damage to your vehicle, the insurance company could place a lien on any settlement you receive from a negligent party, to ensure that it gets paid for the portion of your expenses that it covered. Why, then, if your insurance is covering medical expenses and damages, would anyone want to seek damages from a negligent party? For one, most insurance policies don’t cover all your damages. Most medical policies and insurance policies have deductibles. According to CNN, the average Obamacare deductible for an individual with a Bronze plan is $6,092. The family deductibles can be as high as $13,000. For families in the middle class, who may not even have savings in the bank, these deductibles can simply be out of reach. A lawsuit can help a victim or a family affected by a car accident or personal injury receive money to cover these high deductibles. Victims and their families are also permitted to seek pain and suffering damages. According to the Cornell Law School, pain and suffering damages are designed to compensate victims for the physical and mental suffering experienced after an accident. These damages are calculated using special formulas based on the medical costs of an injury, the seriousness of the injury, and how much the injury impacts a person’s life. Every pain and suffering damage claim will be unique because different injuries will affect different people in different ways. For example, an elite tennis player with a broken arm will likely suffer more than an office worker who suffers a broken arm. If you’ve been hurt, pain and suffering damages can be substantial and won’t be claimed by your insurance company.
Personal injury claims can become complex. This is why you want to have a personal injury lawyer like the Law Office of Martin T. Montilino in Minneapolis, Minnesota on your side. Our firm can take the time to review your medical costs, review your insurance policy, and fight to help you get the claim you may deserve. Sometimes victims and families find themselves struggling just to receive the claim and compensation they need from their insurance companies. These companies may use formulas or estimates to determine the value of a claim. This can leave families footing larger bills than they probably should. If you believe you aren’t receiving the insurance settlement you think you deserve, reach out to the personal injury lawyers at https://www.martinmontilino.com/ today.
THE LAW OFFICE OF MARTIN T. MONTILINO, LLC
3109 Hennepin Avenue South
Minneapolis, MN 55408
Phone: (612) 236-1320