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Originally Posted by usaign
...Of course, someone is going to pay for your medical costs and then there will be an attempt to collect. However, I mean where you make a decision to file your own personal suit in a court.
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Who?
[1] If you have medical insurance, that will pay for at least a portion of your immediate medical care, but you might have co-payments or deductibles that you will have to pay out of your own pocket. And if you can't keep working and/or continue to carry your medical insurance, there may not be any insurance around to pay for future care.
[2] If your employer has a good sick leave policy, you might continue to get your pay while you're off work. What happens when your sick leave runs out? What if you can't continue working at your regular job after you recover?
[3] Who's going to pay for any job retraining if you can't continue your regular line of work? Who's going to pay to make your home/car handicapped accessible?
[4] There are only a handful of folks around to pay your medical and other expenses:
- You -- first and foremost, your expenses are your responsibility.
- Your medical insurance -- to the extent it provides coverage and less your co-payments and deductibles;
- Your employer -- through any sick leave or other benefits, that is if there are any or until what there is runs out;
- Your family -- out of generosity, to the extent money is available;
- Us, the taxpayers -- to the extent benefits are available under various government programs like Medicaid or welfare; or
- The guy whose negligence turned your life upside down.