If you have sustained serious injuries in a Philadelphia car accident and your damages are beyond what your own insurance policy can cover, you can pursue compensation from the insurance company of the at-fault driver. Such compensation should be able to cover your medical expenses, property damage, lost wages, and pain and suffering. And when you get legal assistance from an experienced Philadelphia, PA car accident attorney, you may be able to recover out-of-pocket costs. Although such costs may be less than other damages you sustained, they can add up. When you file your car accident claim and negotiate a settlement with an insurer, ensure you include all out-of-pocket costs.
What Do Out-of-Pocket Costs Include?
These costs refer to expenses that arise from your accident injuries. You must pay for them out of pocket. But because the costs can be significant, they can still be a financial burden for you. Although the insurance provider of the at-fault driver won’t offer to pay these costs, your settlement can include them as long as they are reasonable and necessary.
The insurer may consider when an item you bought is important for your daily functioning and healing. This item can be a piece of medical equipment. For example, if you were injured in a rear-end crash that led to minor neck pain, you may get reimbursement for the cost of buying a set of crutches. In addition, the insurer may reimburse you for the cost of staying at a hotel if you have to stay overnight or travel outside of your state for your medical treatments. Other travel-related costs you can claim include mileage reimbursement, travel expenses, parking fees and expenses, transportation services, and others.
If you cannot perform housekeeping or childcare duties because of your injuries, you may recover compensation for house help, childcare expenses, and personal assistance with activities of daily living.
Documenting Out-of-Pocket Costs
To maximize your compensation, ensure you keep track of what you have been spending your money on. If you cannot drive because of your accident injury and you need to pay for transportation to doctor’s appointments, keep receipts for when you had to take a transportation service. You and your attorney can review these costs to determine what your accident claim may include.
If you are pursuing compensation for the injuries you suffer from a car accident, a reliable lawyer is ready to help. They can advocate for your just compensation.