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Does Insurance Pay for All of your Medical Bills after an Auto Accident in Tennessee?

Man on a gurney being lifted into an ambulance.

If you were injured in an auto accident, you've likely accumulated expensive medical bills during your recovery. However, you may be able to get these bills covered by the at-fault party. First, you have to prove that the accident was due to the negligence of the other party and give his/her insurance company or your uninsured motorist carrier notice of a possible claim. Once you have proven fault, you and your attorney can begin submitting your medical bills to the insurance adjuster for review. Whether the insurance company for the at-fault driver will cover these bills depends on a few factors, including:

  • Whether your injuries are directly related to the accident. You must be able to prove, often through medical notations by your treating physician, that the injuries you are suffering from are directly related to the auto accident.
  • Pre-existing injuries – Even if you had an injury in the past, your doctor can note that the auto accident aggravated the prior condition, thus the need for current treatment.
  • Future treatment – In serious accidents, the injuries could be severe enough to require ongoing medical care. In these cases, it is best to consult with an experienced auto accident attorney who can hire the appropriate experts to detail the cost of future medical treatment and submit them to the insurance company.
  • Timing of settlement – As we've discussed previously, insurance companies are thrilled when they can reach a quick settlement with a claimant after an auto accident. The reason they love quick settlements is that once you sign a legal release following an auto accident, the insurance company is dissolved of any responsibility for additional medical bills or treatment. It is highly advisable to consult with an attorney at The Chiozza Law Firm before signing any insurance company release. We offer free consultations and will go over all your rights and options before encouraging you to sign a release.

In addition to medical expenses, you could be entitled to compensation for pain and suffering, lost wages, out-of-pocket expenses, and any other accident-related damages. Being aware of your legal rights following an auto accident is just the beginning when dealing with an insurance company. Knowing how to maximize your claim to ensure that you are fully compensated is the most important factor. This is where an experienced attorney at the Chiozza Law Firm can assist you, day or night. Feel free to call us at (901)526-9494 or text us at 1(901)545-9390 for immediate assistance. We are happy to provide a free consultation and offer you the necessary information to ensure full compensation from the insurance company.

We also want to wish everyone a safe and happy Easter holiday, and thank you all for allowing us the pleasure of assisting you with your legal needs.


For more, visit The Chiozza Law Firm, on Facebook and Twitter, or

www.901Law.com, the Memphis Law Firm for all your legal needs!


This Blog/Website is made available by the Lawyer or Law Firm Publisher for educational purposes only, as well as to give you information and a general understanding of the law. It is not to provide you with specific legal advice. By reading this blog, you understand there is no attorney/client relationship between you and the Blog/Website publisher. The Blog/Website should not be used as a substitute for competent legal advice from a licensed professional attorney in your state.

Posted by Brian Chiozza at 17:09
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