When facing the aftermath of a personal injury in North Carolina, understanding the scope of medical expenses covered in a claim is crucial. At Kellum Law Firm, we recognize the importance of providing clarity on this matter. Below are the top 20 medical expenses commonly claimed for in personal injury cases, with links to additional information from reputable sources.

The Top 20 Medical Expenses Covered in Personal Injury Claims


1. Emergency Room (ER) Costs

Emergency Room (ER) Costs: Immediate medical attention following an accident or injury, essential for assessing and addressing urgent health concerns.

2. Hospitalization Fees

Hospitalization Fees: Expenses associated with extended stays in medical facilities, covering room charges, nursing care, and related services.

3. Surgical Procedures

Surgical Procedures: Costs for necessary surgeries to repair injuries and promote recovery.

4. Medical Imaging (X-rays, MRIs, CT Scans)

Medical Imaging (X-rays, MRIs, CT Scans): Diagnostic tools providing detailed images for accurate assessment of internal injuries.

5. Physician Consultations

Physician Consultations: Professional medical evaluations and consultations to diagnose and plan appropriate treatment.

6. Physical Therapy

Physical Therapy: Rehabilitation services aiding recovery through targeted exercises and interventions.

7. Prescription Medications

Prescription Medications: Medications prescribed to manage pain, infections, or other health issues resulting from the injury.

8. Ambulance Services

Ambulance Services: Emergency transportation to medical facilities, crucial for swift access to care.

9. Rehabilitation Services

Rehabilitation Services: Ongoing therapeutic support to regain physical and functional abilities.

10. Assistive Devices (Crutches, Wheelchairs)

Assistive Devices (Crutches, Wheelchairs): Devices aiding mobility and providing support during the recovery process.

11. Home Healthcare

Home Healthcare: Medical services administered at home, ensuring ongoing care and monitoring.

12. Dental Procedures (Related to the Injury)

Dental Procedures (Related to the Injury): Dental treatments required as a result of injuries sustained.

13. Mental Health Services

Mental Health Services: Counseling and therapy to address psychological impacts of the injury.

14. Medical Supplies (Bandages, Braces)

Medical Supplies (Bandages, Braces): Necessary supplies for wound care, stabilization, and recovery.

15. Nursing Care

Nursing Care: Professional nursing services assisting with medical care and monitoring.

16. Pain Management

Pain Management: Interventions and treatments to alleviate pain and improve the patient’s comfort.

17. Diagnostic Tests

Diagnostic Tests: Specialized tests for precise diagnosis and ongoing monitoring of health conditions.

18. Chiropractic Care

Chiropractic Care: Treatments addressing musculoskeletal issues and promoting overall wellness.

19. Prosthetics and Orthotics

Prosthetics and Orthotics: Customized devices to support mobility and functionality, if required.

20. Travel Expenses for Medical Appointments

Travel Expenses for Medical Appointments: Reimbursement for the costs incurred while traveling to and from medical facilities for treatment and appointments.


personal injury negotiate vs litigate

Claiming Medical Expenses in a Personal Injury Claim:

In the aftermath of a personal injury, claiming medical expenses will help offset the financial toll of the incident. Here is a step-by-step guide on the procedure for claiming medical expenses from an insurance company in a personal injury claim:

1. Seek Immediate Medical Attention: The first and foremost step is to seek immediate medical attention. It is vital for your health and well-being, and it establishes a clear connection between the injury and the medical treatment received.

2. Keep Detailed Records: Maintain meticulous records of all medical-related documents, including bills, receipts, prescription details, and any other relevant paperwork. This will serve as crucial evidence during the claims process.

3. Inform Your Insurance Company: Notify your insurance company promptly about the incident and provide them with a detailed account of the injury, the medical treatments received, and any ongoing healthcare requirements.

4. Verify Coverage: Confirm the extent of your insurance coverage for medical expenses. Different policies have varying limits and conditions, so understanding your coverage is essential for a smooth claims process.

5. Complete Necessary Forms: Your insurance company may require you to complete specific claim forms. Ensure these are filled out accurately and comprehensively, providing all requested information.

6. Submit Documentation: Compile all relevant documentation, including medical bills, diagnostic reports, and receipts. Submit these documents along with your completed claim forms to your insurance company.

7. Cooperate with the Claims Adjuster: Insurance companies often assign a claims adjuster to investigate and evaluate your claim. Cooperate fully with the adjuster, providing any additional information or documentation they may request.

8. Document Ongoing Medical Expenses: If your injury necessitates ongoing medical treatment, continue to document all related expenses. Keep the insurance company informed about any new developments in your healthcare needs.

9. Review the Settlement Offer: Once the insurance company assesses your claim, they will provide a settlement offer. Carefully review this offer and, if necessary, negotiate with the insurer to ensure fair compensation.

10. Consult with an Attorney: In complex cases or if you encounter challenges with the insurance company, consider seeking legal representation. Seeking compensation for medical expenses and other damages after a personal injury can be a complex and challenging process. Hiring a personal injury (PI) attorney can significantly enhance your ability to navigate this journey. Here’s why:

1. Legal Expertise: Personal injury law is intricate, and having a skilled attorney ensures you have someone with in-depth legal knowledge on your side. They understand the intricacies of insurance policies, liability issues, and the legal processes involved in pursuing a claim.

2. Case Evaluation: A PI attorney can assess the details of your case to determine its strengths and weaknesses. They’ll help you understand the potential value of your claim, including medical expenses, lost wages, and other damages.

3. Negotiation Skills: Insurance companies often aim to minimize payouts. An experienced attorney is skilled in negotiation and can advocate on your behalf to secure the maximum compensation you deserve. Their ability to negotiate can significantly impact the final settlement.

4. Gathering Evidence: Attorneys are adept at collecting and presenting evidence to support your claim. This includes medical records, bills, witness statements, and any other documentation that strengthens your case.

5. Handling Communication: Dealing with insurance companies can be overwhelming. Having an attorney means they handle all communication with insurers, ensuring that your rights are protected, and you avoid making statements that could harm your claim.

6. Understanding Medical Terminology: Personal injury cases often involve complex medical terminology. An attorney can interpret and explain medical records, making it easier for you to understand the extent of your injuries and the associated costs.

7. Litigation Support: If negotiations fail, your attorney is prepared to take your case to court. Their litigation experience ensures you have strong representation in legal proceedings, increasing the likelihood of a favorable outcome.

8. Contingency Fees: Many personal injury attorneys work on a contingency fee basis, meaning they only get paid if you receive compensation. This aligns their interests with yours and provides an incentive for them to secure the best possible outcome.

9. Efficient Process: Attorneys are familiar with legal procedures and can navigate the claims process efficiently. This can save you time and ensure that critical deadlines are met.

10. Peace of Mind: Dealing with the aftermath of a personal injury is stressful. Having an attorney allows you to focus on your recovery while they handle the legal complexities, providing you with peace of mind during a challenging time.

In summary, a personal injury attorney acts as your advocate, using their legal expertise to maximize your compensation and guide you through the complexities of claiming medical expenses and other damages from the insurance company.

For a personal injury claim in North Carolina, recognizing the breadth of covered medical expenses is important. Kellum Law Firm is dedicated to ensuring that our clients receive comprehensive and fair compensation for all relevant medical costs. If you’ve experienced a personal injury, consult with our experienced injury attorneys to guide you through the process of claiming the compensation you deserve.

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