In the state of California, $4.48 billion in motor vehicle crash costs were incurred over the course of a year, including $38 million in actual medical costs. Centers for Disease Control and Prevention indicate occupants of motor vehicles experienced the largest financial losses. Motor vehicle occupants alone suffered $966 million in losses due to car crashes. Many of these losses happened in rear-end collisions.
After a rear-end accident happens, it is very important victims understand what their rights are. Too many collision victims don't know how they'll pay for all of the medical bills associated with crash injuries- especially if they don't have health insurance or if their deductibles and co-pays are too high. The good news is, if another driver caused the collision to occur, you should be able to get all costs covered for all of your medical treatment expenditures for accident-related injuries.
Getting Medical Bills Paid After a Rear-End Crash in Los Angeles
To get medical bills paid after a rear-end crash in Los Angeles, you must determine who was at fault for the accident and what kinds of insurance coverage are available.
Drivers are expected to leave a safe following distance, so if your car was the lead vehicle and someone hit you, the driver who was following behind your car will likely be held liable. You should be able to get your medical bills paid by making a claim against the insurer representing the driver behind your vehicle. California is a fault state, so it is possible for you to pursue a damage claim for all injuries- even if they aren't that serious. As long as you can prove the other driver was negligent in rear-ending you, your medical bills should be covered by his insurer.
California drivers are obliged by law to have both bodily injury and property damage liability coverage. Minimum coverage for bodily injury is $15,000 per person and $30,000 per collision. If you were the only one hurt in the rear-end accident, this means at least $15,000 in insurance coverage should be available to pay for your damages. If multiple parties were hurt in the rear-end accident, such as you and a passenger who were both in a vehicle which was rear-ended, then there should be a minimum total of $30,000 which could be split among you according to the extent of the injuries sustained. Many drivers buy more than the minimum coverage, so there may actually be more funds available than this in your particular accident case.
In order to be able to get the insurer for the other driver to pay for damages, you will need to ensure you have documented both how the rear-end accident happened and how badly you were hurt. Making a police report and getting contact details from witnesses is important so you'll have evidence to prove the other driver was actually at fault. You should also get medical help immediately because you want to be able to prove all of your ailments and injuries are related to the crash.