If I Am Injured in an OKC Truck Accident, How to Pay for Medical Bills?

Medical billing statement from a OKC truck accident

Injuries caused by commercial trucks can be catastrophic, leading to exorbitant medical bills that can top six figures. It’s normal to feel anxious about how your medical expenses will be paid during and beyond your recovery.

At Bryan Garrett, PLLC, our personal injury lawyer works with insurance companies to help you seek payment for your medical bills.  

Who Pays the Medical Bills in an Oklahoma Truck Accident?

When drivers of commercial vehicles cause an accident, a personal injury attorney will file a claim against the insurance policy of either the driver or the trucking company (or another party in some cases). The goal is to seek a fair settlement to cover your medical bills and other expenses and damages that you incur.  

Unfortunately, this process can take time, and you could be experiencing financial hardship in the meantime, especially if your injuries lead to expensive medical treatments.

How a Personal Injury Attorney Helps Keep Debt Collectors at Bay

The factor that complicates things for accident victims is that the settlement gets paid only after the case is concluded. In the meantime, you could be racking up medical bills and getting calls from doctors, hospitals, and collection agencies demanding payment.

To help alleviate the stress, you can instead direct all communications to a personal injury law firm. The law firm will work with your medical team to attempt to reach an arrangement where they agree to stop collections until your case is favorably resolved.

Ultimately, assuming that the commercial truck driver or another third party is found to be at fault, the insurance policy will cover the medical bills, relieving you of out-of-pocket expenses and the stress and worry that comes from fielding calls from bill collectors while you’re trying to heal.

Determining Fault and Settling an Oklahoma Truck Accident Claim

Determining who was at fault for the accident and how much in damages the liable party should pay for your injuries influences the amount of time it takes for a truck accident claim to be resolved.

Because truck accidents involve commercial vehicles, matters can become more complicated as we work to determine whose insurance company should compensate you.

The potentially liable parties include: 

  • The truck driver
  • The truck driver’s employer
  • The company that owns the truck
  • Maintenance and repair companies
  • Truck and parts manufacturers
  • Cargo manufacturers and loaders
  • Other third-party drivers that might have caused the accident
  • City, state, and federal governments responsible for maintaining the roadway

Determining who is at fault for an accident is critical because it lets us know which insurance company will ultimately be legally obligated to pay for your damages, including your medical bills. In some cases, there may be more than one party involved.

In other cases, the final determination could be that you are partially at fault for the accident. Even if this is true, you could collect compensation under Oklahoma’s comparative negligence standard. This so-called “50 Percent Rule” allows you to seek damages if you are less than 50% at fault for the accident.

Contact an Experienced Oklahoma Truck Accident Attorney Today

Don’t let the stress of medical bills and the threat of a ruined credit history affect you. You have options after a truck accident, and at Bryan Garrett, PLLC, we fight for fair compensation. Contact us to schedule a free consultation.

Bryan Garrett PLLC

Bryan Garrett has been dedicated to personal injury law for over 15 years in Oklahoma City. He has achieved excellent results for countless clients, whether through settlement or litigation.

All author posts