When you have been injured by someone else’s negligence, they may be legally obligated to cover your medical bills and other costs related to your accident. However, depending on the complexity of the case and how cooperative the defendant (or their insurance company) is, it may be months or years before you see a dime of compensation. In the meantime, you are hurt now and you need health care now. If you are one of the millions of Americans who do not have health insurance, getting the care you need when you need it can be a challenge. There are several ways that you can try to get your injuries treated. An attorney may be able to help guide you through the process of seeking care now.

What if I Need Emergency Care After the Accident?

It is important to know that hospitals are required to treat anyone who is having a medical emergency, whether they have insurance and are able to pay or not. You can be treated in the ER right away, and you will not be discharged until it is safe for you to go home. The bill can be addressed later.

How Can I Get Health Care Without Insurance After an Accident?

After the need for emergency care has passed, you may require continuing care, such as follow-up visits with a specialist or physical therapy. Trying to get a doctor to begin treating you when you have no health insurance can be very difficult. Strategies you and your lawyer may use to make sure you are getting the care you need in the meantime include:

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After a negligent driver leaves you injured, one of the first things that is going to happen is that you will get a phone call from the other driver’s insurance company. They will be hoping you answer personally instead of referring them to your attorney. If this is the case, then they will most likely make you an offer right away. The offer will probably sound quite good. They may even give you a six-figure number that seems like way more than enough to cover your medical expenses in addition to fixing or replacing your vehicle.

Do not take this offer. While it may sound like a lot, accepting this offer could end up costing you quite a bit of money. Your best bet is to seek out an experienced attorney who can help you discern what your car accident claim is really worth before speaking to an insurance company.

How Do Insurance Companies Calculate Their First Offer?

Insurance companies exist to make a profit, not to help you. They will nearly always try to get away with paying out as little as possible when one of their customers causes a crash. Before making an initial offer, a claims adjuster will review the facts of the case and try to make an educated guess about what a jury might award you should the case go to trial. Then, they offer you only a small percentage of that.

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Most people who regularly drive have experienced sleepiness at the wheel. Whether due to shift work, insomnia, or other reasons, most adults do not get the recommended 7-9 hours of sleep a night. When driving, sleep deprivation can be deadly. Experts explain that sleep deprivation can cause episodes of “microsleep.” A person may fall asleep for several seconds at a time without even realizing it. Large truck drivers who are fatigued may make driving mistakes that lead to horrific accidents.

If you or a loved one were harmed in a truck accident and you suspect sleep deprivation may have been a contributing factor, it is important to understand how this may impact your claim.

Understanding Hours of Service Regulations

The Federal Motor Carrier Safety Administration (FMCSA) limits the number of hours commercial drivers may drive in a day. For example, these “Hours of Service” rules state that commercial drivers carrying property can only drive a maximum of 11 hours consecutively. Drivers carrying passengers are limited to ten hours.

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Car crashes happen every day in Texas. Some are caused by driver inattention, drunk driving, or traffic law violations. Others are caused by defective vehicle components such as defective tires or brakes. Whatever the reason, car accidents have a major personal and financial impact on victims.

Many car crash victims are able to recover financial compensation for vehicle repair, medical bills, and other costs. However, even after a vehicle is repaired, the vehicle may not recoup its original value. Fortunately, Texas law allows car accident victims to seek compensation for the diminished value of their vehicle.

Addressing the Difference in Value Before and After a Collision

Mechanics can repair vehicle damage after a car accident, but there is no way to go back in time and make it so the accident never occurred. Regardless of the repairs performed on the vehicle, the vehicle has still been involved in an accident and potential buyers will no longer pay top dollar for it.

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Semi-trucks and other commercial vehicles were involved in over 30,000 auto accidents in Texas last year alone. While 18-wheelers and other commercial trucks are an essential means of transporting goods across the state, these vehicles can also do massive damage in an accident. If you were injured or your loved one was killed in a wreck involving a large commercial truck, you may be entitled to compensation for your losses. Medical bills, funeral expenses, lost income, lost society, and pain and suffering are just some of the damages to which truck accident victims may be entitled. However, a strong case backed by compelling evidence is needed to recover compensation. Expert witnesses are often a crucial component of a successful claim.

Accident Reconstructionists in a Texas Truck Accident Case

There are countless factors involved in a truck collision. Understanding exactly how and why a truck wreck occurred is often one of the most challenging parts of building a claim. Accident reconstructionists are often highly skilled in the fields of engineering, physics, and computer modeling. They evaluate the accident scene, vehicle damage, video footage, event data recorder information, and other evidence to understand how an accident took place. They can then use models and computer programs to explain the sequence of events in a crash.

Medical Experts Can Explain Your Injuries and Prognosis

Severe and catastrophic injuries are common in large truck accidents. Through a personal injury claim, you may be able to get compensation for your medical expenses including emergency medical care and ongoing treatment. However, many insurance companies and trucking companies try to downplay the severity of a plaintiff’s injuries in a truck accident case. Often, medical experts are used to verify the severity of a plaintiff’s injuries and the impact those injuries have on their daily life.

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