What do I do first after accident?

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plaxoom49
Posts: 1
Joined: Tue May 31, 2016 11:20 am

Tue Dec 20, 2016 12:58 pm

Hello -

My wife was hit by a drunk driver yesterday and she's currently in the hospital. She is pregnant so they are monitoring our child for any signs of injury. She may be in the hospital and I'm worried because the bills will start to pile up. How do I go about getting these bills paid for by the drunk driver? I have the driver exchange form that the police officer gave me after the accident, do I call my insurance company to tell them what happened? I am feeling lost as to what to do with this whole situation, and I'm very worried about my wife and our child, who is due to be born in 2 months. Any advice would be greatly appreciated.

Richard Dingus
Posts: 66
Joined: Mon Feb 22, 2016 10:48 am

Thu Dec 22, 2016 8:17 am

Thank you for the post, and we are sorry to hear about your wife's accident.

Unfortunately, in North Carolina the insurance company generally does not cover the medical bills as they arise. With that being said, I would first alert your insurance carrier and alert them that your wife has been in an accident. Furthermore, I would recommend looking over all your motor vehicle insurance coverage's to check for available Med-Pay coverage's. In short, Med-Pay acts as a quasi health insurance that may be included in your vehicles insurance coverage. If available, Med-Pay coverage can help cover Medical Expenses as they arise. For further information pertaining to Med-Pay and how it works, please feel free to visit our online sources.

Now, as far as contacting the at-fault insurance company, I would recommend opening a claim with the company listed on the driver exchange form. With this being said, I would refrain from discussing the facts and circumstances surrounding the accident. Furthermore, because your wife is pregnant, I would highly recommend contacting a lawyer in your local jurisdiction, as these type bodily injury claims can be complicated. Please feel free to use our Lawyer Locator Service to find a Personal Injury Attorney near you.

Thanks again for the question, and we wish you the best of luck.
Richard Dingus
Attorney and Counselor at Law

• Durham • Raleigh • Greensboro

We aim to be your best option for finding a Raleigh injury lawyer, Durham injury lawyer, or Greensboro injury lawyer.

IMPORTANT: Attorney's response to the posted topic or question is based and related to only those facts originally provided by the user, and as such is not intended or meant as a complete response to the posted topic. We recommend that you obtain a complete explanation of your legal needs by (1) consulting with a lawyer licensed to practice in your jurisdiction after (2) thoroughly explaining your case and (3) allowing the lawyer to research the relevant law in order to render a complete and accurate opinion related to your legal needs. This information, and all information provided, is intended only as an academic discussion of the law in North Carolina. We recommend that you consult with a lawyer licensed in your jurisdiction before taking any action. All information in this general forum is available for public view, possibly including the opposing party or counsel, and is not intended to create an attorney/client relationship with any individual. All information provided is for informational purposes only.

frankie123
Posts: 2
Joined: Fri Jun 23, 2017 9:06 am

Fri Jun 23, 2017 9:14 am

I am interested in learning more about MedPay. How do I know if I have it? How much money will it give me? DO I have to use it to pay my medical bills or can I use it for my pain and suffering?

Richard Dingus
Posts: 66
Joined: Mon Feb 22, 2016 10:48 am

Mon Jun 26, 2017 7:49 am

Thanks for the follow up question.

Typically, you will be able to find out if you have MedPay by simply calling you insurance provider and or look online at your declaration page. If you do have MedPay, your policy limits will be listed on the declaration page. If you do have MedPay coverage, the insurance company will pay up to your policy limit amount (of course limited by you medical expense). This money will be paid either directly to you or the medical provider if they have opened and claim.

As for pain and suffering, MedPay is only available for medical expenses; therefore, pain and suffering is not considered. Again, for more detailed information please visit our link entitled Med-Pay, which also provides great examples and explanations.

Thanks again, and I hope this helped!
Richard Dingus
Attorney and Counselor at Law

• Durham • Raleigh • Greensboro

We aim to be your best option for finding a Raleigh injury lawyer, Durham injury lawyer, or Greensboro injury lawyer.

IMPORTANT: Attorney's response to the posted topic or question is based and related to only those facts originally provided by the user, and as such is not intended or meant as a complete response to the posted topic. We recommend that you obtain a complete explanation of your legal needs by (1) consulting with a lawyer licensed to practice in your jurisdiction after (2) thoroughly explaining your case and (3) allowing the lawyer to research the relevant law in order to render a complete and accurate opinion related to your legal needs. This information, and all information provided, is intended only as an academic discussion of the law in North Carolina. We recommend that you consult with a lawyer licensed in your jurisdiction before taking any action. All information in this general forum is available for public view, possibly including the opposing party or counsel, and is not intended to create an attorney/client relationship with any individual. All information provided is for informational purposes only.

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