Ochs Law Firm Blog

Has a Car Accident Increased Your Future Medical Expenses?

Car accidents don’t just leave scars on vehicles; they leave them on victims, too, and, in some cases, they also leave a lingering burden on the wallet in the form of ongoing medical expenses. A car accident lawyer in Laramie, Wyoming or Gillette, Wyoming can help you get compensation for these ongoing expenses.

Immediate and Prolonged Physical Consequences

Every car accident is unique, and so are the injuries resulting from them. Immediate medical expenses might include emergency medical care, surgeries, diagnostics, and initial treatments. But what many don’t anticipate are the long-term implications. A simple sprain today could evolve into chronic pain that demands regular therapy sessions. A seemingly minor concussion could, over time, lead to cognitive issues requiring specialized (and expensive) medical care.

For some, rehabilitation becomes a part of their daily lives. Regular physiotherapy, occupational therapy, and a range of other specialized services can be necessary, and each visit, each session, and each medication adds to the growing list of expenses. Unfortunately, the financial toll doesn’t stop at physical recovery.

The Often Overlooked Mental Health Aspect

Physical scars might heal, but the mental and emotional wounds that car accidents inflict can sometimes last much longer. Again, every individual’s experience is unique; yet it’s not uncommon for victims to experience emotional distress, sleep disturbances, or even symptoms of PTSD following severe car accidents.

Therapy and counseling are wonderful, but they, too, come with a price tag. Psychological effects can linger for months, if not years, and the costs for these services, when added to the physical health bills, can ruin the financial future of vehicle accident victims.

Wyoming Insurance Laws

When an accident occurs, the person deemed at fault, or rather their insurance, is typically on the hook to cover the damages and medical expenses of the victims. But it’s not always as straightforward as it seems. For one thing, all insurance policies have predefined limits. Wyoming car insurance laws require drivers to carry $25,000 of bodily injury liability coverage per person, up to $50,000 per accident.

Many drivers get more than this minimum, but many do not, and some have none at all. Imagine a situation where the medical expenses far exceed the at-fault driver’s insurance coverage: this is all too common a situation. Often, victims find themselves in a situation where they must either shoulder the difference themselves or seek legal pathways to ensure the responsible party covers the entire expense.

Another issue is that not all medical expenses get approved by insurance. Sometimes, specific therapies or treatments aren’t allowed under covered categories.

Taking Legal Action

When insurance falls short, taking legal action may be necessary. In Wyoming, the “fault” system permits accident victims to file a lawsuit against the at-fault driver to recover damages that exceed the insurance coverage.

Wyoming does not have a cap on personal injury damages, which means you should be able to recover whatever you can reasonably show your ongoing medical care will cost. However, there’s a critical timeline to be aware of. In Wyoming, the statute of limitations for personal injury claims is four years from the date of the accident. Missing this window can jeopardize any chance you have of securing additional compensation.

However, bear in mind that it can be very difficult to recover any compensation from a single person rather than an insurance company. Often, people do not get the appropriate car insurance, or they do not get a bigger policy, simply because they cannot afford it. A person in this situation may not have the assets to pay your bills.

Out-of-Pocket and Personal Health Insurance

One option for some victims is to fall back on their own uninsured motorists coverage or personal injury protection policy, but Wyoming does not require drivers to carry either of these, so these may not be an option. For some, dipping into personal savings becomes an inevitable part of addressing medical expenses.

Even without uninsured motorists coverage or a PIP plan, your personal health insurance can also play a role. However, relying on health insurance may lead to increased premiums or out-of-pocket expenses, so it’s crucial to weigh this option carefully.

Talking With a Car Accident Lawyer in Laramie, Wyoming or Gillette, Wyoming

Having knowledgeable legal counsel in these situations can make a significant difference. Whether you’re contemplating legal action, wrangling with insurance adjusters, or strategizing for your financial future, Ochs Law Firm offers specialized guidance with a strong understanding of and experience in Wyoming’s legal environment.

What can a legal expert do for you in this situation?

Conduct a Detailed Case Evaluation

This involves examining police reports, medical records, and any available evidence such as photos or witness testimonies. A comprehensive review like this allows a lawyer to determine the strength of your case and also identify all potential avenues for compensation. It’s possible there may be something you haven’t thought of or a party who bears partial responsibility that you haven’t noticed.

Conduct Insurance Negotiations

Insurance companies often aim to minimize their payouts, so your lawyer will actively negotiate with these companies on your behalf. They will present the evidence, leverage relevant Wyoming laws, and ensure that insurance adjusters cannot take advantage of gaps in your knowledge or lack of experience in negotiating.

Calculate Comprehensive Damages

Many victims underestimate the full extent of their damages, focusing solely on their immediate medical bills. A lawyer has experience in factoring in future medical treatments, loss of income, reduced earning capacity, rehabilitation costs, pain and suffering, and any other relevant damages specific to your situation for a total that actually reflects the real state of your losses.

Litigate and Represent You In Court

If negotiations with the insurance company fail or aren’t satisfactory, you might be filing a lawsuit, either against the insurance company or against the responsible party. Your lawyer will handle all aspects of this process, from drafting and filing the necessary paperwork to presenting your case in court.

Access Expert Resources

Experienced lawyers collaborate with a network of professionals, including accident reconstructionists, medical experts, and financial analysts. These experts can testify in court or provide reports that strengthen your claim, showcasing the depth and breadth of the impact of the accident on your life.

Handle all Legal Documentation

After a car accident, it’s easy to get overwhelmed by all the documents, from insurance forms to court submissions. A lawyer can ensure that all your paperwork is accurately completed, filed on time, and tracked, removing this burden from your shoulders.

Ensure Fair Settlement Distribution:

Once a settlement is reached or awarded, your attorney can help you make sure that medical providers, insurance companies, or other lien holders are all paid appropriately, while also protecting what’s yours. A lawyer will make sure that you receive the compensation you deserve with no one making any inappropriate claims on it.

Offer Emotional Support

Car accident victims often grapple with emotional and psychological challenges, and while lawyers aren’t therapists, a compassionate attorney has been down this road many times with others and can offer support, listen to your concerns, address your fears, and assure you that your best interests are being fiercely protected.

At Ochs Law Firm, we understand how serious car accident repercussions can be, especially the financial issues created by ongoing medical expenses. We can provide clarity in uncertain times, ensuring that you have the support and resources you need to face the future with confidence. Don’t try to go it alone: contact us at Ochs Law Firm now for a consultation and case review.

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Our experienced Wyoming personal injury lawyer, Jason E. Ochs will fight to help you recover proper compensation in a class action, pharmaceutical, and medical cases throughout multiple states. Contact us today.

Jason E. Ochs

Jason began his legal career in 2002 with a national multi-district litigation law firm in Newport Beach, California. There he worked on a variety of high-profile, complex-litigation projects including pharmaceutical and medical-device litigation across the country.

The Ochs Law Firm epitomizes professionalism and commitment to all of our clients, regardless of the size of the case or the might of the Defendant. We practice in Wyoming, Colorado, Kansas and California in personal injury litigation, medical malpractice, defective products, class action lawsuits, Qui Tam lawsuits, litigation across multiple districts, bad faith insurance, and civil litigation.

We look forward to providing top quality service and representation for you and your family.