{"id":5943,"date":"2018-10-26T19:54:41","date_gmt":"2018-10-26T19:54:41","guid":{"rendered":"https:\/\/kpattorney.com\/?p=5943"},"modified":"2026-04-20T16:35:45","modified_gmt":"2026-04-20T20:35:45","slug":"how-do-i-pay-my-medical-costs-after-being-injured","status":"publish","type":"post","link":"https:\/\/kpattorney.com\/es\/blog\/how-do-i-pay-my-medical-costs-after-being-injured\/","title":{"rendered":"\u00bfC\u00f3mo pago mis costos m\u00e9dicos despu\u00e9s de sufrir una lesi\u00f3n?"},"content":{"rendered":"

Esta es una pregunta habitual que se hacen las v\u00edctimas de lesiones tras un accidente. Si sufres lesiones en un accidente automovil\u00edstico debido a la negligencia de otro conductor, es posible que necesites atenci\u00f3n m\u00e9dica inmediata. Encontrar un abogado, presentar una demanda por da\u00f1os personales<\/a> y acudir a los tribunales o negociar un acuerdo lleva tiempo. Para cuando recibas la indemnizaci\u00f3n, meses o, en algunos casos, a\u00f1os despu\u00e9s, ya habr\u00e1s tenido que pagar todos tus gastos m\u00e9dicos y de rehabilitaci\u00f3n.<\/p>\n

Entonces, \u00bfc\u00f3mo pagar todos esos gastos m\u00e9dicos antes de recibir la indemnizaci\u00f3n? La respuesta depende en gran medida de su situaci\u00f3n particular y de si tiene o no seguro m\u00e9dico.<\/p>\n

 <\/p>\n

Si tiene seguro m\u00e9dico<\/h2>\n

Supongamos, por ejemplo, que te atropella un conductor ebrio y sufres una fractura de pierna y algunas otras lesiones leves. Entre el viaje al hospital en ambulancia, el tratamiento y el hospital y la rehabilitaci\u00f3n posterior, acabas pagando $15.000 en gastos m\u00e9dicos. Supongamos tambi\u00e9n que tu coche qued\u00f3 destrozado y el compa\u00f1\u00eda de seguros<\/a> paga $10.000 en su siniestro de autom\u00f3vil.<\/p>\n

Usted paga la franquicia y la compa\u00f1\u00eda de seguros se hace cargo del resto.<\/p>\n

Cuando su abogado presenta una demanda por lesiones personales contra la parte negligente, sus proveedores de seguros de salud y de autom\u00f3vil pueden presentar un embargo contra la demanda. Aunque los embargos suelen tener una connotaci\u00f3n negativa, en esta situaci\u00f3n concreta no se debe a ninguna acci\u00f3n irresponsable por su parte. El embargo de la compa\u00f1\u00eda de seguros tiene por objeto permitirles recuperar el dinero que tuvieron que pagar para cubrir sus gastos debido a la negligencia de la persona contra la que usted ha presentado una demanda por lesiones personales.<\/p>\n

Usted fue quien se lesion\u00f3 y sufri\u00f3 los da\u00f1os materiales, por lo que tiene derecho a demandar, no la compa\u00f1\u00eda de seguros, pero como la compa\u00f1\u00eda de seguros fue quien pag\u00f3 los costes iniciales de su recuperaci\u00f3n, tienen derecho a que se les reembolsen los gastos en que incurrieron debido a las acciones de la parte negligente.<\/p>\n

Si, por ejemplo, usted negocia un acuerdo o gana un veredicto en los tribunales y es indemnizado con $70.000 por sus gastos m\u00e9dicos, da\u00f1os materiales, salarios perdidos y dolor y sufrimiento, el embargo entrar\u00eda en vigor. Su aseguradora sanitaria recibir\u00eda $15.000 y su aseguradora de autom\u00f3viles $10.000, satisfaciendo los embargos, y usted recibir\u00eda los $45.000 restantes.<\/p>\n

 <\/p>\n

Acuerdos de retenci\u00f3n<\/h2>\n

Si usted no tiene seguro de salud que usted puede entrar en un \"acuerdo de retenci\u00f3n\" con su proveedor m\u00e9dico. Esencialmente, usted est\u00e1 pidiendo a sus proveedores de atenci\u00f3n m\u00e9dica para retrasar la notificaci\u00f3n de los cobradores de cr\u00e9dito acerca de su deuda m\u00e9dica hasta que su demanda por lesiones personales se resuelve, momento en el que va a pagar por la atenci\u00f3n m\u00e9dica que recibi\u00f3 con su liquidaci\u00f3n.<\/p>\n

 <\/p>\n

Pr\u00e9stamo por da\u00f1os personales<\/h2>\n

Los pr\u00e9stamos para acuerdos por lesiones personales, a veces conocidos como anticipos de efectivo para demandas, son similares a los pr\u00e9stamos de d\u00eda de pago y, por desgracia, comparten los mismos inconvenientes.<\/p>\n

Lo positivo es que podr\u00e1 pagar los gastos m\u00e9dicos y hacer frente a los da\u00f1os materiales, como la adquisici\u00f3n de un veh\u00edculo nuevo, antes de recibir su indemnizaci\u00f3n. Tambi\u00e9n ayudan a mitigar la urgencia que pueda sentir con su situaci\u00f3n. Las v\u00edctimas de lesiones personales a veces aceptan ofertas de liquidaci\u00f3n que son demasiado bajas porque est\u00e1n bajo mucha presi\u00f3n debido a las crecientes deudas m\u00e9dicas y gastos de manutenci\u00f3n. Disponer de recursos monetarios en forma de pr\u00e9stamo para la indemnizaci\u00f3n por lesiones personales puede aliviar parte de esta presi\u00f3n y permitir a la v\u00edctima esperar una oferta de indemnizaci\u00f3n justa.<\/p>\n

El inconveniente son los tipos de inter\u00e9s incre\u00edblemente elevados que suelen devengar los pr\u00e9stamos de conciliaci\u00f3n. No es infrecuente que los pr\u00e9stamos de conciliaci\u00f3n por lesiones personales conlleven tipos de inter\u00e9s del 30 al 60 por ciento, similares a los exorbitantes tipos de inter\u00e9s de los pr\u00e9stamos de d\u00eda de pago. Si su caso tarda un par de a\u00f1os en resolverse, es f\u00e1cil que acabe debiendo m\u00e1s del doble de lo que le prestaron inicialmente.<\/p>\n

Dado que los juicios por lesiones personales no est\u00e1n garantizados, no tendr\u00e1 que devolver el pr\u00e9stamo si no gana. Dicho esto, los prestamistas saben esto, por lo que son muy exigentes acerca de que emiten pr\u00e9stamos de liquidaci\u00f3n de lesiones personales. A menos que el prestamista est\u00e1 muy seguro de que va a ganar su caso, es probable que no le prestar\u00e1 dinero.<\/p>\n

 <\/p>\n

Seguro de autom\u00f3vil sin culpa<\/h2>\n

Florida tiene una ley de veh\u00edculos de motor sin culpa, lo que esencialmente significa que la protecci\u00f3n contra lesiones personales est\u00e1 incluida en la cobertura del seguro de autom\u00f3vil. Independientemente de qui\u00e9n sea el culpable de su accidente, su aseguradora pagar\u00e1 parte de sus gastos m\u00e9dicos. El l\u00edmite m\u00ednimo en Florida es actualmente de $10.000.<\/p>\n

Esta cobertura autom\u00e1tica cubrir\u00e1 hasta el 80 por ciento de sus facturas m\u00e9dicas, hasta el 60 por ciento de las edades perdidas y cubrir\u00e1 completamente los costes de sustituci\u00f3n del veh\u00edculo. Hay un tope de $10.000 de cobertura de lesiones por persona que no exceder\u00e1 de $20.000 por accidente, con un tope de da\u00f1os materiales de $10.000 tambi\u00e9n.<\/p>\n

Las leyes de no culpabilidad est\u00e1n dise\u00f1adas para reducir el n\u00famero de demandas por lesiones personales, pero debido a sus l\u00edmites relativamente bajos, las personas que sufren lesiones importantes y experimentan repercusiones que pueden alterar su vida a menudo consideran que los l\u00edmites de no culpabilidad son inadecuados y deben presentar demandas por lesiones personales.<\/p>\n

 <\/p>\n

Si tiene preguntas sobre sus facturas m\u00e9dicas u otras cuestiones jur\u00eddicas, puede ponerse en contacto con nosotros por medio de rellenar este formulario<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"

This is a common question asked by injury victims following an accident. If you\u2019re injured in a car crash because another driver was acting negligently, you [\u2026]<\/span><\/p>\n","protected":false},"author":12,"featured_media":5944,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[213],"tags":[357],"class_list":["post-5943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-step4"],"acf":[],"yoast_head":"\nHow Do I Pay My Medical Costs After Being Injured?<\/title>\n<meta name=\"description\" content=\"Questions about how to pay your medical bills can cause a lot of undue stress. Find out how having the right attorney in your corner can help! 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