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Who Pays Car Accident Medical Bills?

Sustaining an injury in a car accident can often result in expensive medical bills that you may not be able to afford. Serious injuries can even result in medical bills that extend well into the future due to lingering effects or impairments. The problem is that even if another part is found to be at fault for the accident, there are no state or federal laws requiring them to pay ongoing medical bills for an injury caused in that accident. However, there are a number of ways that you may be able to pay for your medical bills if you were in a car accident. The following are the different ways that your car accident medical bills could be covered:

  • No-fault car insurance - No-fault car insurance means that your car insurance provider will either pay for part of or all of your medical bills no matter who was at fault for the car accident you were in. The limit to how much of the medical bills will be paid varies from state to state. In some states, it's as low as $2,000, while in other's, it's as high as $50,000.
  • Health insurance - If you live in a state that's a no-fault state, your health insurance provider will cover the rest of your medical bills once the limit of your no-fault car insurance has been reached. For example, if the limit is $2,000 and your medical bills amount to $5,000, your health insurance will cover the remaining $3,000. If you don't live in a no-fault state, your health insurance will pay for your medical bills as they come in. Keep in mind that health insurance providers are entitled to be reimbursed for the money they pay your health care providers if the medical bills are related to a car accident.
  • Medical payment insurance coverage - Also known as med pay coverage, this type of insurance will pay the medical bills of the drivers and/or passengers involved in a car accident with the insured person. Policy limits are usually less than $10,000. You'll have to pay for the medical bills once they exceed the limit.
  • Medicare - Medicare works like health insurance in that it will pay for your medical bills as they come in. Like regular health insurance, Medicare is entitled to be reimbursed for medical bills they paid relating to a car accident.
  • Medicaid - The federal program Medicaid provides low-income individuals with health insurance. This means that the program will pay for your medical bills if you are injured in a car accident. Like both health insurance and Medicare, Medicaid is entitled to be reimbursed.
  • Worker's compensation - If the car accident you were in was work-related (for example, you drive a moving truck), then your employer's insurance provider will pay your medical bills. In fact, most states require the insurer to provide reimbursement for any expenses you have to pay to travel to and from medical appointments, including gas, parking, and tolls).

These are some of the ways that you might be able to pay for the car accident medical bills. If you have recently been injured in a car accident, then make sure to contact a car accident attorney right away. An experienced attorney can help you obtain the damages you deserve as well as guide you through the legal process. Contact us at the Law Office of Gloria Seidule to schedule a free consultation today.

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