Past Medical Bill & Debt Lawyers

Medical bills are among the most complex parts of seeking a comprehensive claim for damages in the wake of a serious auto accident.

In many cases, an at-fault driver’s insurance coverage will be inadequate to adequately compensate victims for damages. South Dakota’s mandatory minimum insurance law requires just $25,000 in bodily injury coverage per person and $50,000 per accident. When serious injury occurs, or multiple victims are making claims, such coverage is often quickly exhausted.

Your chosen Sioux Falls medical debt lawyer must look to all available liable parties and insurance carriers to cover your claim. This may include other insurance in place on a vehicle or driver, and even your own insurance coverage through uninsured/underinsured motorist coverage, which is also required in the amounts of $25,000 per person/$50,000 per accident.

The vast majority of personal injury and wrongful death claims settle without going to trial. The reason is simple: If your law firm has built a solid case, the insurance carriers prefer to settle without the expense of a trial and the uncertain exposure of a jury damage award.

Medical Bill Damage Awards

How your damage award is structured can have a significant impact on your case. Some common issues that arise with medical bills include:

• Multiple insurance carriers arguing over who is responsible for providing coverage.
• Medical bill awards paid for medical expenses not paid out-of-pocket by accident victims.
• Negotiated settlements of medical bills.

When an accident victim is paid for medical bills that were paid by an insurer, the insurer is typically entitled to reimbursement. Failure to properly settle such claims can leave victims financially liable. In other cases, your attorney may be able to successfully negotiate a settlement of medical bills, which can leave more money in your pocket as long as the settlement agreement is properly structured.

There can be many complications. For example, if you are injured on the job, workers’ compensation insurance will become involved, in addition to at-fault auto insurance carriers and your private health insurance. An experienced personal injury lawyer in Sioux Falls will be in the best position to determine the full extent of your actual and out-of-pocket expenses, identify who is responsible for paying, help ensure you are getting timely medical treatment, and settle claims in a manner that will most benefit you and your family.

Your attorney can also help you deal with delays in payment, which are quite common but can still result in negative credit reporting without proactive action and legal representation. Without professional help, the process is too often overwhelming for families that should be focused on recovery.

Hoy Law represents clients in Sioux Falls, Minnehaha County and the surrounding areas, including Lincoln, McCook, and Turner counties, as well as Canton, Brandon, Dell Rapids, Tea, Harrisburg, Worthing, Beresford, Lennox, Hartford, Crooks, Baltic, Montrose, Salem and Garretson.

If you or a loved one has been injured, call Hoy Law to speak with an experienced Sioux Falls personal injury lawyer today. Call 605-250-1864 for a free and confidential consultation to discuss your rights.