Does the insurance cover the costs of my medical treatment after a car accident?
July 23, 2022 | 45,00 EUR | answered by Sophia Evers
Dear lawyer,
after a serious car accident two weeks ago, I am still in the hospital and wonder if the insurance will cover the costs of my medical treatment. The accident was caused by another driver who failed to yield the right of way. As a result, I suffered serious injuries and had to undergo emergency surgery.
So far, I have not received clear information from the insurance company about whether and to what extent my treatment costs will be reimbursed. I am very worried as the bills for the surgery, the inpatient treatment at the hospital, and the ongoing doctor's costs have already accumulated and I do not know how I will be able to afford them.
Can you please inform me if the insurance company will cover the costs of medical treatment in a case like mine? Are there specific requirements that need to be met for the insurance to be obligated to reimburse the costs? What steps should I take to ensure that my treatment costs are reimbursed by the insurance company?
I am grateful for your help and urgently in need of a clear and reliable answer to better assess my financial situation after the accident.
Sincerely,
Luisa Knorr
Dear Mrs. Knorr,
first of all, I would like to express my sympathy for the difficult situation you are in following the car accident. It is understandable that you are concerned about whether the insurance will cover the costs of your medical treatment. In a case like yours, where the accident was caused by another driver, there is a possibility that the insurance of the at-fault driver will cover the expenses.
Usually, the at-fault driver is legally obligated to have liability insurance that covers damages caused to others. This includes the costs of medical treatment for injuries. The condition for the insurance to reimburse the costs is that the liability of the at-fault driver can be clearly established. In your case, where the other driver disregarded the right of way and you sustained serious injuries, it is likely that the liability lies with them.
To ensure that the insurance covers the costs of your medical treatment, you should gather all relevant documents and receipts that document your injuries, treatments, and expenses immediately. This includes medical reports, operation reports, hospital bills, and prescriptions for medication. These documents are important to prove the extent of the treatment costs.
It is also advisable to consult with an insurance lawyer who can assist you in this matter. An experienced lawyer can handle communication with the insurance company on your behalf, assert your claims, and potentially take legal action if the insurance denies reimbursement.
I hope that this information is helpful to you and wish you a speedy recovery and a successful outcome in the process. If you have any further questions, I am at your disposal.
Best regards,
Sophia Evers
