Q: Should I use my health insurance if I am involved in an Oklahoma car accident?
If you have health insurance, it is usually a good idea to use it to cover your car crash injuries, even if the accident was not your fault.
The other driver's car insurance company should be paying for your medical bills, but they don't pay out like a normal health insurance company does. They are going to wait until you've accumulated a pile of bills and then maybe pay them. It's extremely rare for an insurance company to just pay all of your bills without some kind of fight and you really don't have the luxury to wait for them. By using your own health insurance, you can be sure your bills are being taken care of in a timely fashion without any trouble.
Another thing people don't always consider when it comes to paying medical bills is how their credit score is being affected. If you don't use your health insurance and wait for the other driver's insurance to take care of it, your bills could quickly become overdue and go into collection. This can cause long-term damage to your credit score and create financial problems down the road.
Most importantly, you don't have to go through this process alone. Hire a personal injury attorney with experience handling all of these issues that you may not be familiar with. They will be able to stay on top of all the insurance companies involved and file a lawsuit against the negligent party if you require more compensation than what the insurance company is offering. Many times, the insurance company will undervalue your claim and you'll be left without enough money to cover things like future rehabilitation expenses and lost wages from your time out of work.
If you were injured in a car crash in Oklahoma, Texas or Arkansas, contact Girards Law for a free consultation at 888.897.2762