If you were struck by a drunk driver or rear ended at a red light, the resulting injuries can have drastic effects on your everyday life. Maybe you do not have health insurance to receive treatment, or maybe you have been injured so badly that you are unable to work. The aftereffects of a car accident can leave you with a pile of bills that feel like an insurmountable peak, but if you are in this situation there is often help out there. First and foremost, you need to ensure that you receive proper medical treatment after an accident. You should go to the hospital or the doctor as soon as possible experiencing an injury. If you do not have insurance, an experienced personal injury attorney can help you find a doctor that will agree to wait for payment until the case is over.
After your medical expenses have been managed, the next priority is living expense. If the accident has left you unable to work, you will need money to pay your costs of living expenses. An option to help with these expenses is the Personal Injury Protection (PIP) coverage contained in your insurance policy. In many states, the maximum amount that can be claimed under PIP benefits is $2,500, so you should use this benefit wisely if your expenses are high. PIP can be used to pay for lost income and medical bills. If you have health insurance you should ensure that your medical bills are submitted to your health insurance company, rather than your auto insurance provider under the PIP coverage. This will help to maximize the amount of money that you will receive for living expenses due to lost wages.
One last option that many unsuspecting people resort to is litigation loans. You see these loans in the ads for cash advances that promise to give you money immediately, rather than waiting until your lawsuit is over. These loans are designed reap huge profits for the loan companies. The interest rates on these loans are incredibly high, and you will often end up with less money in your pocket than you started with. We highly discourage our clients from taking out these loans. If you are considering one of these loans, be sure to contact a Washtington, DC car accident attorney first to help advise you on other ways to successfully pursue compensation for your injuries and lost wages.