After getting into a car accident, regardless of whose fault it actually was, you certainly don’t want to stress over the piling medical bills. People who are without sufficient car insurance coverage usually have to deal with hefty loans or other unfavorable means for paying off their medical bills. And in some cases, you may be offered a settlement amount way less than you deserve. Therefore, it’s ideal to get a well-conversant car insurance claim lawyer ahead of time to not waste any time and appeal for a favorable claim for your medical bills as soon as possible. And if you’re still wondering who is going to pay for your medical bills after a car accident to keep your expectations crystal clear, keep reading!
1. Your Car Insurance
You have got car insurance for a reason, right? When you get into a car accident and you sustain some injuries, your car insurance may cover your medical bills for you.
If you live in a “no-fault” state, it means that neither you nor the other party is at fault. The most common one is personal injury protection (PIP) insurance.
PIP insurance will make sure that both of the party’s medical bills are paid. But if you’re in a non- “no-fault” state, your medical payment insurance coverage (MedPay) will help you and the other party with the medical bills.
Now, it is important to note that both of these insurances are only going to pay up to the amount of your insurance coverage policy. If your medical bills exceed this limit, you may, unfortunately, have to pay the expenses out of your own pocket.
2. Your Health Insurance
Your health insurance should cover most of your medical expenses, from personal injuries to car accidents. Let’s say, you have exceeded your car insurance limit, and you can’t pay upcoming medical bills out of your pocket. Your best bet would be to contact your health insurance.
Your state-run health insurance such as Medicare or Medicaid may help you cover the bills only up to your insurance policy limit. In case you aren’t able to claim more insurance, you can always negotiate the amount with your health care provider and pay them in installments.
It’s also vital to keep in mind that your health insurance can only pay for what you had agreed on earlier. Let’s say you suffer from PTSD after a severe car accident, and you want to visit a psychiatrist, if your health insurance doesn’t cover you up for this then you may have to pay for it yourself.
3. Out of Your Pocket
The last thing you want to do is to pay medical bills out of your pocket. However, when your insurance company won’t pay more for your expenses or the at-fault refuses to pay a sufficient amount to you, you may have to bear the expenses on your own unless you find an expert and professional lawyer who can negotiate with your insurance company for a fair settlement amount then you don’t have to fret about this situation.