Dog Bite Injuries
There are two types of insurance which apply and they are discussed below:
- MedPay insurance
- Liability insurance
Med Pay Benefits
Medical payments are often known as MedPay benefits, which is a great option if you don’t have health insurance. MedPay benefits are designed to provide some temporary relief and/or pay the medical bills from the accident. These benefits are typically offered in the amounts of $1,000.00 up to $5,000.00. You can get this optional MedPay coverage through homeowners or renters insurance. If the dog owner has homeowner’s insurance, then that will most likely be used for your claim. However, if the owner rents the property then renters insurance will be used but only if their policy has it. MedPay insurance options vary based on what state you live in but MedPay benefits can act as your primary insurance or add to your current insurance.
Although there are limitations with MedPay insurance, there are lots of positives to this option. There are no deductibles or copays, medical costs are covered quickly and then the health insurance company should cover the remaining costs. Often your medical providers will ask you who owned the dog and where they live. Your medical providers ask these types of questions to find out the most amount of information so that they can submit your bills under MedPay coverage. Provide as much important information that you are able to in order to help strengthen your claim.
If you do not have the option to MedPay coverage, then you will have to front all of the costs by yourself. Once you sign anything from their other person’s insurance company, you will not be able to ask for any more money. If you need to choose the no insurance option, be sure to talk to an attorney to help you figure out the best plan of action for your claim.
It is highly recommended that you hire an attorney to help your case so that you can earn as much money as you can for your claim. Your lawyer can also help you get funds early on as you work through the process of the claim. You might ask yourself why it is important to hire an attorney for this situation. Remember that lawyers are well-versed with the lawsuit process, help you not be negatively influenced by insurance companies and are there to have someone on your side to help you win your case. It is also good to note that the attorney will be paid a portion of the settlement at the end of your case.
If you want information on how to find the best injury lawyer for you, check out some of our other resources on our website.
The second type of insurance that applies is liability insurance, commonly referred to as “Homeowners Insurance”. The liability insurance will cover the individual who is liable for the accident. Keep in mind that the insurance will not cover the injuries if the person is not liable. In order to successfully have your claims paid, you must prove all of the following:
- Who owned the dog?
- That the dog harmed you, and
- What amount of money will fairly compensate you for your injuries?
Your damages include medical expenses, lost wages, as well as future medical expenses that are properly documented. For example, many people have their scars repaired or other procedures taken care of years after the initial injury.
The expenses associated with future care need to be paid for by the dog owner’s insurance company when you settle your claim, not when the surgery is actually performed. You may also receive money for “pain and suffering” or what is also called “human costs.” Don’t hesitate to make note of small injuries or potential future issues that might arise.
If you have health insurance, the insurance company should be paying your bills first rather than you paying for them all upfront. Homeowners insurance is not going to be responsible for paying for each medical procedure that you have to go through but rather send you one check. Having an attorney will be a great asset in calculating the total amount of medical costs that you will have both now and in the future.
Call today for a free consultation and our team will be happy to discuss your case with you.