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• OHIO TO JOIN 38 OTHER STATES THAT BAN TEXTING WHILE DRIVING
• APPLYING THE COMMON FUND DOCTRINE TO REDUCE MEDPAY LIENS HELD BY INSURERS
• INSURANCE BAD FAITH CLAIMS IN OHIO
• OHIO WRONGFUL DEATH CLAIMS REQUIRE SWIFT ACTION

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• The Importance of Witnesses in an Ohio Personal Injury Case

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Dealing With Unpaid Medical Bills After a Personal Injury in Ohio

Many people who have been injured in Ohio from a motor vehicle accident or other personal injury will often settle their claim with the insurance company quickly for a low value for fear of their medical bills remaining unpaid. Insurance companies know this and will often take advantage of this reality by offering low ball offers quickly after the accident hoping that a person will accept it to avoid their bills going unpaid for a period of time. However, an Ohio personal injury lawyer knows that there are ways to avoid medical bills going into collections.

One way is to pay medical bills through your health insurance (i.e. Anthem, Medicaid, Medicare, etc.). These medical providers will have to be repaid at the time of your settlement with the insurance company, but your lawyer may be able to reduce or eliminate this payment, putting more money in your pocket. So, in effect, when a health insurer pays your bills after a personal injury it is really acting as a sort of loan until a settlement occurs.

Another way is to use your own auto insurance to pay the bills. Many automobile insurance policies contain a medical payments coverage which is unknown to many people. Medical payments coverage, also known as "med pay," pays for medical expenses which occur out of an automobile collision. In effect, acting like health insurance. Any payments made through your med pay coverage will also have to be repaid when your case settles, but sometimes your lawyer may be able to reduce or eliminate this repayment in certain circumstances.

If there is no health insurance, or your doctor does not take your health insurance, some medical providers will agree with your personal injury attorney to take what is called a letter of protection and wait to be paid when the case settles, thus keeping you out of collections.

There are many ways to keep outstanding medical bills out of collections. This allows your experienced Ohio personal injury attorney to be able to build your case and avoid taking a quick, low value settlement. You should not have to choose between protecting your credit rating and getting a fair settlement.


For more information about this subject go to www.Chesterlaw.com and request a copy of my free Book entitled The Insider's Guide to Handling Ohio Accident Claims. You can also order my free DVD entitled What you should know about motor vehicle injury claims. Both the free Book and free DVD describe in more detail what you need to know to protect your rights NOW.

Call the experienced personal injury attorneys at Chester Law Group today to get the help you want from people you can trust (800) 218-4243.

In his new consumer handbook, The Insider's Guide to Handling Ohio Accident Claims, author and Ohio personal injury lawyer David M. Chester gives consumers a rare look at the injury claim process in Ohio. From his position as an experienced "insider,” Attorney Chester explains in simple, easy to understand language, what consumers must know to protect themselves while walking in the mine field of dealing with insurance companies.

Contact us today for a FREE, NO OBLIGATION consultation about your personal injury legal needs.

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