Are My Medical Bills Paid for in a Personal Injury Settlement?

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You likely incurred some sort of injury as a direct consequence of your involvement in a personal injury accident. Depending on how catastrophic the event was, you may have required an emergency room visit or surgery. This is not to mention the multiple follow-up appointments with your primary care provider, along with physical therapy sessions as they see fit. On top of your prescribed medications and handicap assistive devices, your medical bills may quickly stack up. Continue reading to learn whether medical bills will be covered in your settlement and how an experienced Ontario personal injury lawyer at Merricks Law Group, P.A. can fight for a fair and just payout.

Are my medical bills covered in a personal injury settlement?

You must understand that a personal injury settlement is intended to grant you an amount of financial compensation that fairly covers the economic and non-economic damages you incurred directly from your personal injury accident. Therefore, one of these covered damages may be your medical bills.

Of note, your Ontario Health Insurance Plan (OHIP) may pay for most of the medical bills you incurred from your accident. Even so, you may still be left responsible for paying out-of-pocket for certain medical treatments or services your OHIP is not set to cover. It is under these circumstances that a personal injury claim may be justified.

Lastly, it must be noted that OHIP may seek to recover the costs of any future medical treatments or services you are anticipated to need.

What other damages might my settlement cover?

To reiterate, your medical bills are one of the many damages you may negotiate for your personal injury settlement to cover. The other types of damages that may be relevant to your claim are as follows:

  • Types of economic damages your personal injury settlement may cover:
    • The cost of your lost wages and lost earning capacity.
    • The cost of your lawyer fees and other legal fees.
    • The cost of your damaged real property.
  • Types of non-economic damages your personal injury settlement may cover:
    • Your embarrassment from your physical disfigurement or disability.
    • Your physical pain, mental anguish, and emotional distress.
    • Your lost enjoyment in life itself.

The bottom line is that the at-fault party (i.e., the defendant) should be held accountable for every last injury or damage you suffered due to their negligence. This should include the future economic and non-economic damages you expect to face in the future, as well.

So, it may be worthwhile to sit down with your lawyer and a financial expert before the negotiation stage of your settlement proceedings. This is so you know the right amount of financial compensation to fight for before it is too late.

In conclusion, there is no better time to act than now. So please reach out to a skilled Ontario personal injury lawyer from Merricks Law Group, P.A. at your earliest possible convenience.

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