What are Out-of-Pocket Expenses?
Out-of-Pocket Expenses are expenses that are incurred before any benefits are received by an injured party in a legal dispute. According to Cornell Law School’s Legal Information Institute, they are “those paid from an individual’s own funds.” It is from an individual’s own funds as opposed to from insurance, benefits, or other financial assistance. They only concern the costs actually related to the injury, such as hospital and medical expenses, travel, and costs incurred from the investigation of the crime that caused their injury.
Insurance policies can cover some out-of-pocket expenses, but not necessarily all. For example, if a person needs to take a prescription as a result of injuries incurred, and their insurance covers 80% of costs, the remaining 20% is considered an out-of-pocket expense.
In some areas such as contract disputes, an injured party may be entitled to damages for out-of-pocket expenses incurred. However, there are sometimes limitations to what expenses can qualify as out-of-pocket expenses and be reclaimed. Some cases such as Reilly v. Marin Housing Authority resulted in rulings that declared that an amount charged or paid might actually be incurred. It is important for the consumer to understand the regulations where they live and keep track of what out-of-pocket expenses they can afford to pay before pursuing legal action.
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How Long Do I Have to Sue a Hospital?
Millions of people entrust their health and safety to medical professionals daily, believing they are in good hands. This trust is a testament to the high standard of care that hospitals are expected to uphold. However, there are instances when this trust is
broken, and healthcare providers fail to meet this standard, leading to medical errors that harm patients. This is what we refer to as medical malpractice.
Medical malpractice occurs when a healthcare provider’s action or inaction deviates from the accepted standard of care, directly harming a patient. Examples of medical malpractice include misdiagnosis, birth injuries, and wrongful death. These errors can have severe consequences, damaging the trust in doctor-patient relationships and causing significant harm.
If you have been a victim of medical malpractice, understand that you cannot take legal action at any time. Specific time limits, known as statutes of limitations, […]
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Catastrophic Injury Lawyer
A personal injury is always an emotional and sometimes traumatic experience. But you need support when those injuries result in catastrophic, life-long consequences. The catastrophic injury lawyers of Munley Law have spent decades representing accident victims as they recover and learn to live with these severe injuries.
For a no-obligation, free case evaluation, contact the catastrophic injury attorneys of Munley Law today.
What Qualifies as a Catastrophic Injury?
As defined by 42 USC 3796b, a catastrophic injury is one that “permanently prevent(s) an individual from performing any gainful work.” Essentially, this means that the victim’s injuries are so severe that the standard personal injury case would not cover their long-term needs.
Medically, a catastrophic injury causes severe injury or damage to the spine and spinal cord, brain, loss of a limb, or
severe burns. These injuries require extensive medical care, […]
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Birth Injury Lawyers
A child’s birth should be a cause for celebration. But when negligent medical professionals cause your child to experience fetal distress, oxygen deprivation, or physical trauma, you have a right to take legal action.
The long-term costs for medical care for your child, along with the emotional trauma you’ve had to endure, can be a burden too significant to handle on your own. At Munley Law, we fight for the injured children and their families who suffered from a birth injury. Let our birth injury attorneys help you get the financial compensation you need for your baby.
What is a Birth Injury?
According to the National Library of Medicine, a birth injury is any damage to the newborn’s body due to an adverse event that occurred at birth. Birth injuries can occur at any point in the birthing process or during pregnancy. […]
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Hit and Run Car Accidents
Nobody ever expects to be the victim of a hit-and-run car accident. One minute you’re driving along, and the next, someone carelessly crashes into your vehicle and flees the scene. In the aftermath, you’re left dealing with injuries, vehicle damage, and a thousand questions. That’s when you need a hit and run accident lawyer in your corner. The experienced car accident lawyers at Munley Law understand the chaos and confusion you’re facing. They know how to investigate what happened, protect your rights, and fight for the compensation you deserve. With expertise in accident claims and hit-and-run car accidents, they become your advocate and guide through this difficult situation.
Best Hit and Run Accident Attorneys
When you’ve been the victim of a hit-and-run accident, you need personal injury law attorneys who really go the extra mile. The best hit-and-run accident attorneys are relentless investigators, […]
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What Is Full Tort vs. Limited Tort in Pennsylvania?
Full Tort vs. Limited Tort in Pennsylvania
Some states, including Pennsylvania, give two coverage options when choosing car insurance policies. This ensures a person chooses a policy that best fits their needs. The two coverage options given in Pennsylvania are limited tort — which restricts the compensation a person can get from a case — and full tort — which puts no restrictions on the compensation.
When choosing limited tort vs. full tort coverage, knowing the difference between the two is essential to make sure you choose the best fit. Here are the differences between full tort and limited tort coverage in Pennsylvania.
What Is Pennsylvania’s Tort Insurance?
Simply put, Pennsylvania’s tort insurance allows the injury victim to be compensated following a car accident in Pennsylvania. Pennsylvania is a “choice no-fault” insurance state. This means the driver is given the choice of either a no-fault insurance policy or an at-fault insurance policy. […]
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