Sioux Center Car Accident Injury Attorneys

Unexpected accidents and injuries can derail lives. In these tough moments, car accident injury lawyers become invaluable allies. They advocate for those injured by others' negligence, ensuring they obtain fair compensation. This article explores the vital role these lawyers play, guiding individuals through their claims and helping them rebuild.

Who Should Pay My Medical Bills After My Car Accident?

Insurance Adjusters and Medical Bills

It's a frequent occurrence for insurance adjusters from the at-fault driver's insurance company to request that you send them your medical bills. However, this does not mean they will pay your bills promptly or at all. Often, insurance companies use this tactic to pressure you into settling your claim for less than its fair value. By letting your medical bills pile up and sending you to collections, they create stress, hoping you'll accept a low settlement just to stop the harassment.

The Truth About Medical Bills

Rarely will the other driver's insurance company pay your medical bills as they are incurred. Here are the best sources to cover your car accident-related medical expenses:

1. Health Insurance

If you have health insurance through your employer or that you obtained independently, ensure that your medical providers have this information. Some providers may claim they can't bill your health insurance due to a third party being responsible, but this is incorrect. Your health insurance is obligated to pay your medical bills regardless of the cause.

2. Medical Payments Coverage (MedPay)

Your own automobile insurance policy may include MedPay, which covers medical expenses following an accident. This coverage can range from $1,000 to $100,000. It's usually best to use MedPay to cover co-pays and deductibles. Utilizing this coverage should not increase your insurance premiums if you are not at fault for the accident.

3. If You Don't Have Health Insurance

If you lack health insurance and MedPay, consider negotiating with your medical provider. Many hospitals, especially non-profits, are required to write off a portion of their bills annually. They may be willing to reduce your bill based on your financial situation.

4. Additional Resources

If none of the above options work, seek assistance from local churches, charities, family, or friends. In dire situations, medical bills might not be your only concern, as you could be struggling with other financial obligations as well.

Back Surgery for Car Accident Injuries

Back injuries from car accidents can range from minor to severe, with some requiring surgery. The following is an overview of common back injuries and the surgical procedures that might be necessary.

Common Back Injuries Requiring Surgery

1. Bulging and Herniated Discs
   - Bulging Discs: Occur when the inner nucleus of a disc pushes against the outer capsule, causing a bulge.
   - Herniated Discs: Happen when the inner nucleus spills out through a tear in the capsule.

2. Spinal Compression Fractures
   - These fractures can result in a loss of spine height and significant pain, often necessitating surgery.

Surgical Procedures

- Discectomy and Spinal Fusion: Removing the affected disc and fusing the surrounding vertebrae using a bone graft.
- Vertebroplasty and Kyphoplasty: Procedures to treat spinal compression fractures by injecting a cement-like substance into the vertebrae.
- Laminectomy and Foraminotomy: Expand the spinal cavity by removing structures in the spinal column to reduce pressure on the spinal cord nerves.

Impact on Car Accident Claims

Back surgeries can result in significant medical costs, including surgery and potential hospital stays. Accident victims may also face long-term wage loss if they cannot work. For help achieving fair settlements, contact Walker, Billingsley & Bair at (888) 435-9886.

Most Common Car Accident Injuries & How We Can Help

Every year, thousands of Iowans suffer from various injuries in car accidents. Understanding the common injuries and their treatments is crucial for navigating the recovery and compensation process.

Common Injuries and Treatments

1. Fractures and Broken Bones
   - Severe fractures may require surgery to stabilize bones, while less severe ones might be treated with traction and casts.

2. Herniated Discs and Spinal Injuries
   - These injuries often necessitate spinal surgeries such as laminectomy, discectomy, or fusion.

3. Shoulder Injuries, Strains, and Sprains
   - Injuries to tendons and muscles often require imaging tests and continuous medical follow-up.

4. Traumatic Brain Injuries (TBI)
   - TBIs can occur even from minor impacts and require immediate medical attention.

5. Whiplash
   - Common in rear-end accidents, whiplash can cause significant neck and back pain.

Steps to Take After an Injury

1. Seek Immediate Medical Attention
   - Documenting your injuries is crucial for your claim.

2. Follow-Up Medical Care
   - Continuous treatment is essential, especially if initial improvements are not seen.

3. Seek a Second Medical Opinion
   - It's important to get another perspective if you feel your recovery is not progressing.

Seeking Legal Assistance

Seeking legal counsel from experienced Iowa car accident attorneys such as those at Walker, Billingsley & Bair can provide invaluable support in filing insurance claims or pursuing personal injury lawsuits. With a comprehensive understanding of Iowa law, their team can help gather evidence, establish liability, and secure the compensation deserved by accident victims.

Suffering from the aftermath of a car accident shouldn't impede your pursuit of justice and fair compensation. The Iowa injury lawyers at Walker, Billingsley & Bair work hard to level the field between injured Iowans and insurance companies.

That's why we provide this FREE book; The Legal Insider's Guide to Iowa Car Accidents: 7 Secrets to Not Wreck Your Case. To learn more about what our legal team will do to help you protect your Iowa injury claim, contact Walker, Billingsley & Bair to schedule a no-cost consultation. Call 641-792-3595 to order your free accident book today.