Major Financial Struggles Truck Accident Victims Face—And What to Do About It

TYLER and LONGVIEW, Texas. Being injured or sick in America is not easy. Many insurance policies have high deductibles. Many families don’t have the savings in their bank accounts to cover an emergency or sudden illness. The New York Times recently investigated the unique struggles injured and sick Americans face. What did they find?

According to the Times, one-third of people who are injured and sick spend their savings as they heal and recover. While insurance might cover some hospital bills, it often doesn’t cover other expenses, like lost wages from missed time at work. The combined impact of hospital bills and lost work can leave many families struggling, especially after a sudden injury like the kind that happens after a truck accident.

The Times also reports that increasingly, Americans are not sure what health bills their insurance will or won’t cover. In some cases, patients who need rehabilitation may find that their treatment is denied by their doctor. Some end up footing these bills out of pocket. Just being injured in itself can increase your chances that your income will go down. One hospitalization can decrease a person’s income by as much as 20% for six years after the injury.

So, what can you do to protect yourself, if you’ve been in an accident? First, understand the essential health benefits that all health plans must cover. These essential health benefits are covered by law as long as you have health insurance. Your health coverage must include coverage for ambulatory services, emergency services, hospitalization, maternity care, mental health and substance abuse disorders, prescription drugs, rehabilitative services, laboratory services, preventative care and wellness care, as well as pediatric services.

If you or a loved one has been injured in a truck accident, you may still have many questions about what is and isn’t covered and what rights you have, especially as the medical bills come in. For example, you may be entitled to seek damages from a negligent driver, truck company, or shipping company if your accident was the result of another person or party’s negligence or neglect. You may be entitled to receive a recovery to cover your medical bills, lost wages, and pain and suffering. Truck companies may be required to have high insurance policies to cover victims for their injuries and losses. Are you entitled to receive a recovery under the law?

The truck accident lawyers at the Cooper Law Firm are Tyler, Texas truck accident lawyers who work closely with victims and families to help them seek the damages they may deserve under the law. Our firm may be able to help you fight insurance companies and help you seek the recovery that will allow you to heal and get the medical care you need and deserve. Visit us at https://www.cooper-law-firm.com/ to learn more about your options and rights under the law.

Cooper Law Firm
501 N Third St,
Longview, TX 75601
Telephone: (903) 297-0037