Blogs Menu
Blogs
View Latest Posts
View Subscriptions
Posting Instructions
Active Bloggers
Beverly Johnson
class of
Bruce Smith
DeVry University class of 1998
Will Moss
Hampton University class of 1995
Ivan Butcher II
class of
Elynor Moss
class of
Alexis Jones
- College Not Listed - class of 2020
Reggie Culpepper
Clark Atlanta University class of 1998
Anica Oaks
class of 2012
4 Things International Students Should Know About U.S. Personal Injury Law
Posted By: Brooke Chaplan on September 20, 2019

It can be extremely stressful to be in a new country, especially if you are speaking another language and dealing with a whole different culture.
International students may be confused about how the healthcare and personal injury system work in the United States, especially as the United States does not provide socialized health care like many other countries do. Here are some of the pertinent facts when it comes to being injured while studying in the US.

Understand the Terminology



A personal injury case is generically classified as any injury that you received as a result of someone else’s negligence. This leaves a lot of ground to cover in order for you to receive compensation for your injuries. If you were injured on someone else’s property, or even on school property, you could potentially receive compensation to help cover those costs.
Personal liability, on the other hand, is a term used in insurance plans that refers to the amount your own insurance will cover you for accidents or injuries that you are legally responsible for. It also may cover your expenses for lost, damaged, or stolen property or if someone else sues you for an accident you caused. If someone else caused an accident or injury to you, you are able to lay a claim for their insurance to pay for the cost of your treatment instead of using your own insurance. It’s important to know the ins and outs of your own healthcare insurance in case you have to pay the cost yourself, but also, you should know that if someone else is legally at fault, you may not have to pay for anything at all.
Most personal injury cases weigh your personal liability against the liability of the other party. So in the event of a car accident, for example, you will want to take pictures and document details of the accident. In the event of any other accident, talk to and get statements or witnesses willing to speak on your behalf, and take pictures of your injury.

Check Visa Requirements



The visa that you obtained to study in the US probably already listed out requirements for how you should go about purchasing health insurance before your arrival. You should check to ensure that you’ve met all of these requirements so that you aren’t caught off-guard by an injury or medical bill. This will save you from having additional financial burden placed on you in case you are injured. There are different levels of insurance to consider as well. Do you have an extensive plan, or just the bare minimum to cover preventative care?
Deductibles and co-pays should also be taken into account in order to maintain your budget. In order to get a visa in the first place, you will need to demonstrate that you have health insurance in the first place. An important thing to note about the US healthcare is that emergency room visits will always cost more than a regular doctor visit or even a visit to an Urgent Care facility. If you aren’t in current danger, opt for the Urgent Care instead of an expensive ambulance ride.

Inquire About School Insurance



Some universities offer their international students health insurance just for enrolling with them. At many universities, a specific health insurance plan is required, especially with international students. If you are sponsored by an organization, they may have their own health insurance policy. Visit International Student Insurance if you do not have insurance provided by either school or sponsor, and they can help you find a suitable plan. Check with the school so that you can find out if this is one of the incentives that they would be willing to offer you. It can save you a great deal of money not having to pay your own insurance premiums. As with purchasing your own insurance, verify where you can receive treatment if you were to be injured. Many schools have on-site medical facilities to deal with minor injuries. School health insurance usually covers general medical care, and may also cover more sophisticated services like X-rays and specialists for unique cases. The details will depend on your university. Sometimes emergency and injury cases are not covered by simple student health care, so take the time to find out what is and isn’t covered.

Study Your Case



Each personal injury case is slightly different. There are certain categories that they can be lumped into, but the specifics will vary. For instance, if you were harmed in a motor vehicle accident, a personal injury attorney can help you to ensure that you’re making the right decision about how to proceed with your case. Most attorneys offer free consultations and take cases on a contingency fee basis, which means they get paid a percentage of the fee you win after a trial. Essentially, you don’t have to pay them beforehand and they only get part of the money they win for you. The amount of financial recompense that can be received depends on the level of your need. For example, medical bills should be a given when you file a personal injury claim. There may be other factors that can contribute to the amount that you should receive. You may have to drop classes and redo them another semester. This can add to your tuition costs. Consider adding these expenses to your claim so that you can receive fair compensation for your losses.
Navigating a personal injury claim can be tricky. Knowing the right way to go about it means that you may require some help to get you through the process. Remember that your school should offer some assistance to help you understand your options and that most lawyers will give you consultations free of charge. Keep calm and be aware that even as an international student, you have options and legal rights.
Comments
Please Login To Post Comments...
Email:
Password:

 
More From This Author
How to Pick a Safe Apartment Complex as a Student
How to Prepare Your Application for PA School
How to Find In-Demand Jobs in Your City or State
Why Settling for a Job You Don’t Want Never Really Works Out
3 Tips for Finding Funding for Your Entrepreneurial Endeavors
How to Keep Your Finances in Order after Landing Your Dream Job
Latest Blogs
A Book is Born™ on TRIBE Family Channel™ is a Gumbo for the Soul International®
Gumbo for the Soul International® and TRIBE Family Channel™ are proud to present another literary feast! Season Two - Epi. 5 of A Book is Born™ airs June 8, 2020. Our nation-wide line-up of sea ...more
Beverly Johnson • 4 Views • June 6th, 2020
The CHURCH: Partners in Crime and Injustice
The CHURCH, all denominations, have been Complicit in Their role in the injudicious and profiting of Slavery from the very beginning, especially here in the Americas. Today it is so much more visib ...more
Ivan Butcher II • 27 Views • June 5th, 2020
RESTORE! RESTORE! Radio Ministry hosted by Wanda Burnside and Ramelle T. Lee
RESTORE! RESTORE! Radio Ministry hosted by Wanda Burnside and Ramelle T. Lee Season VI - Epi.Six June 7, 2020 at: 5:00 P.M.- 6:00 P.M. PST 6:00 P.M.- 7:00 P.M. GMT 7:00 P.M.- 8:00 P.M. CST 8:0 ...more
Beverly Johnson • 10 Views • June 5th, 2020
~ "The Holy Bible Upside Down" ~
~ "The Holy Bible Upside Down" ~ /* "The Holy Bible Upside Down" By Gregory V. Boulware, Esq. http://blackinamerica.com/content/356174/the-holy-bible-upside-down What Did He, (#45 ...more
Gregory Boulware, Esq. • 28 Views • June 5th, 2020
How to Make Your Executive Resume Stand Out
Image Source: Envato Elements In today's competitive job market, it is more important than ever to do what you can to make your application rise to the top of the heap. Designing a quality execut ...more
Becca Meyers • 10 Views • June 4th, 2020
Popular Blogs
Divorce in America in 2009 – What’s love got to do, got to do with it?
Join Brother Marcus and the cast and the crew of the Brother Marcus Show live this Sunday evening on February 1, 2009 @ 8:00 p.m. for another hot topic in our community! “Divorce in America in 2009 ...more
Brother Marcus! • 62,647 Views • January 27th, 2009
VISINE ALERT!!!
Seemingly innocent medication such as Visine eyedrops are used by people to concoct a mixture with similar effects as a date-rape drug. When mixed with alcohol and taken orally, the eyedrops can l ...more
Siebra Muhammad • 41,735 Views • May 23rd, 2009
Disney Princess Movie a "Slap in the face" to African American Men...
Ok... So I guess this is what we get when Disney finally makes a movie with a black princess. A young black girl who falls in love with a prince that is is apparently from India (not African American ...more
Will Moss • 19,176 Views • January 2nd, 2010
First Annual African Women’s Solidarity & Appreciation Day
Women of African Descent Worldwide, Globally, Internationally. This is OUR DAY to something for Ourselves. As announced at the United Nations in March 2016…now A Worldwide Gathering to Unify ...more
Elynor Moss • 18,523 Views • October 6th, 2017
The Gift
Today is the best day of my life! ...more
Elynor Moss • 16,648 Views • October 5th, 2017