After a truck accident, you’re left with more than just physical injuries. You may be facing mounting medical bills, lost wages from time off work, and the emotional toll of recovery. Then, just as you’re trying to piece everything together, the trucking company’s insurance adjuster calls, offering a settlement.
They might promise to cover your costs, but the trucking company’s insurance will likely not cover all your medical bills after an accident without a fight. Insurance companies often focus on short-term expenses and downplay the long-term impacts of your injuries.
Costs like ongoing medical care, physical therapy, or hidden injuries that surface later are often overlooked. Consulting with experienced Charlotte truck accident lawyers can help ensure that your rights are protected and your future is secure.
Will the Trucking Company’s Insurance Cover My Bills After an Accident?
It’s a question many people ask, and the answer isn’t straightforward. While the insurance company may cover some of your immediate medical expenses, it often leaves out critical long-term costs.
This is why it’s so important to carefully evaluate with the help of an experienced Charlotte personal injury lawyer before accepting.
The trucking company’s insurance might not cover all your medical bills after an accident, especially if their initial settlement offer is designed to minimize their payout.
For a free legal consultation, call (877) 333-1000
What the Insurance Company Wants You to Believe
Insurance adjusters are good at what they do: protecting their company’s bottom line. They’ll act quickly, reaching out while you’re still recovering, and might even sound compassionate. But their goal isn’t to ensure your long-term well-being; it’s to settle your claim for as little money as possible.
They often say things like:
- “This is a reasonable offer.”
- “We’ll cover your medical bills.”
- “You don’t need a lawyer—this is straightforward.”
But here’s the catch: reasonable doesn’t mean fair. And “covering your medical bills” usually only applies to immediate costs, not the ongoing expenses you might face.
How to Protect Yourself After an Accident
If you’re worried about how to cover your medical bills or whether the trucking company’s insurance will pay what you deserve, here’s what you can do:
- Don’t accept the first offer. Their initial settlement is rarely enough to cover everything.
- Document your injuries and expenses. Keep track of all medical treatments, bills, and any time you’ve missed work.
- Get a second opinion. Speak with a legal professional who can evaluate your case and help you understand its true value.
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What Medical Expenses Are Often Overlooked?
Truck accidents often result in severe injuries, which can lead to long-term or even permanent medical needs. Insurance companies tend to focus on short-term costs, leaving you to handle the rest.
Here are some medical bills the trucking company may attempt to avoid covering:
- Future medical care: Surgeries, physical therapy, or ongoing medications
- Hidden injuries: Conditions, such as a TBI or a back injury, that may not show symptoms right away but can require costly treatment later
- Rehabilitation: Often expensive rehab programs or assistive devices needed to recover from serious accident injuries.
- Emotional trauma: The psychological impact of a traumatic accident
By accepting their initial offer, you could end up responsible for these bills down the road—bills you didn’t plan for and shouldn’t have to pay out of pocket.
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Why Settling Quickly Can Hurt You
After an accident, it’s tempting to take the first settlement offer just to move on. But settling too soon can lead to long-term financial struggles. Once you accept, you’re typically signing away your right to seek additional compensation.
Here are some reasons to pause before agreeing:
- You don’t know the full extent of your injuries. Some symptoms and complications take weeks or months to surface.
- You haven’t calculated long-term costs. Medical expenses can pile up over years, especially if you’re unable to work during recovery.
- You’re being rushed. If the adjuster is pressuring you to settle quickly, it’s likely because they know the full value of your claim—and want to avoid paying it.
Contact a Truck Accident Law Firm for a Free Consultation
The trucking company’s insurance might promise to cover your medical bills after an accident, but it’s not looking out for your best interests. Their job is to save money, not to ensure that you’re fully compensated for what you have lost.
At DeMayo Law Offices, we believe in putting People Over Profits™. We’ve seen how these companies take advantage of people during one of the hardest times of their lives.
Our experienced team is dedicated to fighting tirelessly for what you deserve so that you don’t get taken advantage of by disingenuous insurance tactics or tricked into accepting unfair offers.
If you’re wondering how much your injury case is worth or have questions about your situation, contact us today for a free consultation. Let us help you get the justice and compensation you need to move forward.
Call or text (877) 333-1000 or complete a Free Case Evaluation form
