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You pay nothing until we win
You pay nothing until we win
by Matthew C. Andrew - April 7th, 2025
In the event of an accident in Idaho, you may wonder, “What if my medical bills are more than my settlement?” You are not alone; many people experience this following a personal injury. We wish to clear your choices and provide valuable guidance since at Andrew Injury Law, we have experienced firsthand how stressful this situation may become for individuals and their families. After an accident, medical expenses can rapidly spiral out of hand, and your recovery process may be much hampered by financial strain. Reaching financial stability and guaranteeing ongoing access to required treatment depend on knowing what to do if your settlement does not cover your medical bills.
Your settlement could not pay for all of your medical bills for numerous reasons. Insurance policies often have certain restrictions; therefore, your negotiated settlement can be based more on expected medical bills than real charges. Conflicts about the degree or source of injuries could also force insurers to provide less than what is required to pay your whole treatment expenses. Usually aiming to reduce compensation levels, insurance companies in Idaho could leave coverage gaps, exposing injured people to financial risk.
Many times, numerous parties have rights to some of your prizes when you get one. Medical providers often place liens on your settlement to recover unpaid bills. Furthermore, while your case is under progress, your health insurance or government programs like Medicaid or Medicare may pursue compensation for medical expenses they supported. Knowing these claims ahead of time will help you control your expectations and budget after your personal injury compensation.
If you find yourself unable to cover medical costs after receiving your settlement, you may still have several options. Firstly, it may be possible to negotiate your medical bills directly with healthcare providers in Idaho, as they often prefer receiving partial payment rather than none. Additionally, establishing a payment plan could help alleviate immediate financial pressure, allowing manageable installments. In extreme cases, consulting a legal expert might provide avenues for challenging specific medical charges or pursuing additional compensation.
An alternative financial resource might be available if your settlement does not fully cover medical expenses. You may explore medical payment coverage (MedPay), an optional part of auto insurance policies in Idaho, designed specifically to address medical costs from accidents regardless of fault. Other possibilities include leveraging personal health insurance benefits or tapping into disability insurance, if applicable. In some situations, charitable assistance programs, nonprofit healthcare providers, or state-funded healthcare support in Idaho might provide relief.
At Andrew Injury Law, we help you manage challenging medical bills after an accident and address any concerns about handling these expenses. Our Caldwell personal injury lawyers may assist you with sensible answers since they know Idaho’s rules and insurance policies. Get in touch with us now to get a customized assessment of your circumstances; we are dedicated to helping you discover financial relief and clarity.
Matt Andrew has been an attorney and member of the Idaho Bar since 2007 and has a varied and fascinating legal career. Since 2013, Matt has focused on representing seriously injured people in personal injury and workers’ compensation cases. Matt has successfully tried multiple cases to verdict before the Idaho District Courts and the Idaho Industrial Commission.
Member of the Idaho Bar since 2007
Bar Number: #7698
Location: Meridian, Nampa, and Caldwell, Idaho.
Client Reviews
4 months ago 
Matt was very helpful in explaining the law and setting realistic expectations about my mothers case. He listened to the facts and gave solid advice about what to do next. I know his time is valuable and limited so I appreciated his complementary consultation and advice. I will definitely turn to him in the future.
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If you or a loved one has been seriously injured, please fill out the form below for your free consultation or call us at 208-517-7670
No Fees Unless We Win Your Case
Matt Andrew was so helpful and encouraging regarding our small auto accident negotiation. We received clear and comprehensive suggestions and outline of action for us to take. We are grateful to have spoken with him directly and on the first phone call to his office. Great attitude and genuine interest in helping. Definitely recommend.
Matt is a “Tell it like it is”, Attorney. He will scour the data, and go to bat for you. He becomes your liaison, so you can really focus about just getting better, and though he wont loan you any money, he’ll tell you what you need you need to do to survive if you’re out of work for a bit. Attorneys aren’t cheap, you’ll end up with more if you use one. Heed his advise for the strongest case argument in your favor.
I called Matt he was driving he took my information and he immediately called me back, he answered my question and gave me advice on how to handle the situation, he very helpful for my situation, he was thorough
Andrew Injury Law is a personal injury law firm in Idaho. We focus on representing individuals who suffer injuries from someone else’s negligence. We use a compassionate and aggressive approach to help our clients after an injury. Our team knows that injuries can be life-altering. Our Boise injury lawyer fights for our clients every step, leading to trial if necessary. Get in touch with the Boise injury lawyers from Andrew Injury Law today.
Andrew Injury Law represents people who need help during the most challenging times. Injuries are life-changing in many ways. Even a minor injury can leave you out of work for weeks with mountains of medical bills. Permanent injuries require more medical attention and bring more bills. Our team is here to help you every step of the way. Call our personal injury lawyer in Caldwell for a free case review.
You must get legal representation immediately when you suffer an injury or lose a loved one. The insurance companies are vultures looking to diminish your claim. They don’t care about the pain you are suffering. They only care about their bottom line. When you file a personal injury claim, you will pursue justice and compensation for your injuries and losses. Andrew Injury Law helps injured individuals seek compensation from negligent parties. We offer free case reviews, so call our office today.
Our primary goal is to hold the at-fault party responsible by getting you financial reimbursement for your injuries. Schedule a free consultation today with our Meridian personal injury lawyer from Andrew Injury Law.
This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Attorney Matthew Andrew, who has more than 20 years of legal experience as a personal injury attorney.
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If you or a loved one has been seriously injured, please fill out the form below for your free consultation or call us at 208-517-7670
No Fees Unless We Win Your Case
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