Suffering a personal injury creates unexpected medical bills, time away from work and often the loss of a vehicle for some weeks (if your injury was due to a car accident). How does one pay for these expenses and losses?
Medical bills are often the single biggest expense in a personal injury claim. The best way to address or combat this expense is to utilize your health insurance, just like you would have you been injured in any other manner. Your health insurance should cover your medical expenses, through your deductible or co-pay will still have to be paid by you, though this is often much less expensive than the medical bill itself. If you do not have health insurance to cover the expense, some medical providers may be willing to provide you treatment on a lien basis. This means the provider is willing to forego immediate payment for their services and recoup the expense out of your recovery from the person who caused the injury. This is common for chiropractic treatment and even physical therapy, though it can be arranged by other medical providers as well, including treatment for diagnostic services (x-rays, CT scans, MRIs, etc).
Lost wages and other damages you may suffer such as pain and suffering, loss of enjoyment of life, etc. can also be claimed against the person that caused the damages, but full recovery would not occur immediately. This is because a resolution can either happen by settlement (agreement), arbitration or trial. Insurance companies that pay for the fault of their insured’s do not resolve these types of damages piece-meal or as they occur. Instead, your claims would be resolved all at once- with one amount to cover all of your claimed damages. Thus, costs you have for medications, medical bills or lost wages, would be paid with one sum at the time your claims are resolved, leaving you with unpaid expenses until the case is resolved.
Property damages (such as a vehicle requiring repair or replacement) is a separate claim for bodily injury (medical expenses, lost wages, pain, and suffering, etc.). Because it is treated as an independent claim, your property damage claim can and is usually resolved early in the process, leaving your bodily injury claim as a separate damage claim.