If you were injured in a car accident in Baton Rouge that someone else caused, the hospital and doctors have probably wasted no time in sending you medical bills. And as these bills have come piling in, you’re probably wondering, “Who’s going to pay for these?” After all, hospital and doctor co-pays are expensive and add up quickly, especially if you’ve needed to repeatedly see a doctor, physical therapist or chiropractor as a result of your Baton Rouge car wreck injuries.
Unfortunately, Louisiana law does not require car accident defendants – meaning the careless driver who caused the wreck – to pay for your medical bills as they come in. Instead, you are on the hook for paying your medical bills on time and then you must fight the other driver’s car insurance company in order to get reimbursed for your expenses. Even worse, as soon as your health insurance company realizes that your medical bills are the result of a Baton Rouge car accident, it is going to demand to be refunded for any expenses it has paid to hospitals and doctors. If you had X-rays, MRIs, Cat-Scans or other expensive tests, this means your health insurance company is going to be coming after you, the innocent driver, for thousands of dollars!
It doesn’t seem fair, does it? As an experienced Baton Rouge personal injury lawyer, I can tell you from experience that it can get even worse. If you speak to the other driver’s car insurance company without the representation of a personal injury lawyer, an insurance adjuster is going to try one of several tricks to try to pay you as little money as possible, and much less money than you actually deserve. One of the first tricks that car insurance companies use is to offer you what is called a “quick settlement” – an amount of money that may seem large initially, but once you add up the cost of all your medical co-pays, missed work, and the amount of money you owe your health insurance for their portion of your medical expenses, is nowhere big enough to reimburse you for your actual needs.
Another trick that car insurance companies use when you don’t work with a Baton Rouge personal injury lawyer is to try to get you to make a recorded statement. An adjuster will tell you that it is just part of an investigation but don’t fall for it. The car insurance companies are trying to catch you on tape saying something contradictory that they can use as evidence in court to claim you are lying about what really happened in the car accident so that they can pay you less benefits than you deserve. Finally, car insurance companies have even been known to send spies out to follow you around Baton Rouge hoping to catch you on video doing something against doctor’s orders – all in efforts to prove that you aren’t really as injured as you actually are.
With all the tricks that big insurance companies use to try and get out of paying for your bills, it makes you wonder why would anyone in Louisiana would fight a car insurance company without the help of a personal injury lawyer. When you work with a Baton Rouge personal injury lawyer like myself, I listen to your account of what happened in the car accident, I investigate the claim, and then I deal with the car insurance companies for you – protecting you from their schemes. I fight to get you the benefits that you deserve, including payment for your medical expenses, lost wages, pain and suffering
If you’ve been injured in a car accident in Louisiana, then don’t waste any time. Call attorney Rusty Messer at (225) 963-9638 to schedule a free consultation today. And remember, there is no fee for my services until I win the benefits you deserve.