Waterloo Car Accident Injury Attorneys

Accidents and injuries can abruptly change lives. During such times, car accident injury lawyers are invaluable allies. They advocate for individuals hurt by others' negligence, ensuring fair compensation. This article explores the crucial role these lawyers play, guiding people through their claims and helping them rebuild.

How Do I Pay My Medical Bills While Waiting on a Settlement for My Car Accident Claim?

When you are injured in a car accident, medical bills can quickly pile up while you are waiting for your settlement. Most victims must use their own insurance policies to cover these expenses. The defendant or their insurance provider is not required to pay for your damages until the case is settled. Here are some strategies for managing your medical bills during this period:

Ways to Pay for Medical Bills After a Car Accident

Medical bills are often so high that relying on some type of insurance becomes necessary. Here are the various types of insurance you might use until your settlement arrives:

- Employer Health Insurance: Your employer-provided health insurance can cover your medical expenses.
- Personal Health Insurance: Use your own health insurance policy to manage the costs.
- Medicare or Medicaid: These government programs can assist with medical expenses if you are eligible.
- Driver’s Insurance: If you were a passenger, the driver's insurance policy might cover your medical bills.
- Medical Payments Coverage: Your car insurance policy might have a medical payments plan that can be utilized.

Subrogation: Paying the Insurer Back

Be aware that many insurance companies will expect reimbursement after you receive your settlement award. This process, called subrogation, depends on your provider and the terms of your contract. Consult with your insurance carrier or attorney if you are uncertain about your obligations.

Managing Other Bills While Incapacitated

While health insurance may cover medical bills, you might still face other financial challenges, especially if you’ve had to take time off work. Without income, paying for daily expenses and additional costs, such as hiring help for household chores, can become overwhelming. Here are some options:

The Dangers of T-Bone Accidents

T-bone accidents, where one vehicle strikes another from the side, are among the most dangerous types of collisions. These accidents often result in severe, sometimes permanent injuries. Side airbags can offer some protection, but high-speed impacts can still cause significant damage to both the vehicle and its occupants. 

Causes of T-Bone Accidents

T-bone accidents usually occur due to reckless or irresponsible driving, such as:

- Running red lights or stop signs
- Speeding
- Driving under the influence of alcohol or drugs
- Aggressive driving
- Failing to yield
- Disobeying traffic laws

If you have been involved in a T-bone accident caused by another driver’s negligence, an attorney can help prove liability and secure compensation.

Recovering Damages in a Personal Injury Case

To recover damages, you need to prove that the other driver acted negligently, that their negligence caused the accident, and that the accident caused your injuries. Types of damages you might be awarded include:

- Medical bills
- Pain and suffering
- Lost earnings
- Property damages

Common Car Accident Injuries and How We Can Help

Car accidents in Iowa can result in a wide range of injuries, including:

- Fractures and Broken Bones: Severe fractures might require surgery, while less severe ones may need traction and casting.
- Spinal Injuries: Herniated discs, fractured vertebrae, and paralysis might necessitate spinal surgeries.
- Shoulder Injuries: Torn tendons and muscles might not always show up on imaging tests but still require medical attention.
- Traumatic Brain Injuries: Even minor impacts can cause serious head injuries that need immediate medical treatment.
- Whiplash: Common in rear-end accidents, whiplash can cause significant pain and require medical care.

Steps to Take After Sustaining Injuries

1. Seek Medical Care: Immediate medical attention is crucial to document your injuries and start your recovery.
2. Follow-up Medical Care: If you are not better within a week, seek additional medical care to ensure you receive the necessary treatment.
3. Second Opinion: If your initial treatment does not lead to improvement, consider getting a second opinion from another doctor.

We Are Here To Help

Remember, you are not alone in recovering from your injuries. We have helped thousands of Iowans through their physical, emotional, and financial recoveries. If you have questions about what you are going through, feel free to call our office for your confidential injury conference. We will take the time to listen to you and give you our advice concerning your injury matter at no cost or risk to you.

Free Book at No Cost 

If you are not ready to speak with an attorney yet but would like to learn more about Iowa injury cases including tips about how you can avoid making common costly mistakes request a copy of our Iowa Personal Injury book which includes 14 myths about Iowa injury cases and 5 things to know before hiring an attorney.

If you have specific questions about your injury matter feel free to call our office to speak with our Injury team at 641-792-3595 or use our Chat feature by clicking here 24 hours a day/7 days per week. Your information will remain confidential and there is no cost or obligation.