Did you know 20-50 million people get injured or disabled in a car accident every year?
Are you wondering who pays medical bills in a car accident? Not to worry! In this guide, we’ll go over who covers medical fees.
Want to learn more? Keep reading to find out.
Types of Accidents
You’ll want to try and identify what type of car accident happened. This will help you down the road when you call the insurance company.
Did you get in an accident at the parking lot or experience a rear-end incident?
Side impacts or head-on collisions are often fatal. Knowing the type of accident will help you build your case.
You Pay at First
If you get hurt in a car accident and it wasn’t your fault, the other driver is responsible. They will have to cover any medical bills you have.
Yet, the other driver’s insurance company won’t pay you after every doctor visit. You have to wait until you’ve done all your treatments.
Once your doctor discharges you, you then have to ask for a settlement with the insurance company. This could take a year to several months.
Plan Medical Payments
If you have Medicare or health insurance, submit your bills to them as soon as possible. Some people have medical coverage under their car insurance policy called Med Pay.
Med Pay will pay your doctors. They will also reimburse you for deductibles if you use your health insurance.
If you don’t have insurance, you’ll want to find a professional who can help you get treatment. They might defer your bill until you settle with the driver’s insurance company.
When you settle with the company, you might need to use a part of that money to reimburse your health insurance. This happens if you agreed that they would get a certain amount back from your settlement.
Don’t Accept Money During Treatment
The driver’s insurance company might offer you money while you’re recovering. Make sure you speak to an attorney first. Don’t accept any early payments.
Otherwise, you could release the driver and their insurance company from further responsibility, and they won’t have to pay any current or future medical care. Sometimes medical issues arise down the road, or a doctor discovers a new issue.
Pay Your Bills
Even though you may get a settlement, don’t let your bills slide. You don’t want them to pile up and harm your credit score if they go to collections. Call your doctor so you can let them know about your situation.
Explain that these bills are from a car accident. Ask the billing company if they could put your account on hold until after your case is settled.
Companies may let you pay smaller amounts to keep your account away from collections.
When Are the Bills Paid?
Sometimes a settlement can take up to a year or several months. If there is a dispute over the incident or the case goes to trial, it could take even longer.
You will have to deal with medical treatments, insurance companies, and billing departments.
Consider hiring an attorney who can help you work through this process. Send a copy of any bills you receive from your doctor to your attorney. They will track these bills and note how much you have paid.
Tell your attorney when you see the doctor and what happens at the appointments. Your attorney will gather the proper documentation to send to the insurance company.
What About a Hit and Run Accident?
If the person drove away after hitting you, there are specific steps you’ll want to take afterward. Are you in a no-fault car insurance state?
In no-fault car insurance states, your personal injury protection will cover medical bills.
You will have a limit on your policy. This coverage won’t cover any damages done to your vehicle. You will need collision coverage to get a reimbursement from a hit and run driver.
In a fault-based car insurance state, you need to track down the driver to recover your losses.
If you can’t find the driver, you’ll need uninsured motorist car insurance coverage. This coverage can pay for losses related to car accidents.
Most hit and run drivers don’t get caught. The police will work on finding the driver. To increase the chances of finding the driver try and recall details from the accident.
Give the police officer the make, model, and color of the vehicle. Tell them details about the driver.
If you saw witnesses at the scene, have them talk to the police. Ask for their contact information. You may need to speak to them in a few months.
You could also ask if any local shops have video footage.
Unfortunately, if you do find the driver, they might not have any funds available. Most drivers flee because they don’t have insurance or they’re unlicensed.
If the driver does have insurance, you can get help. If they don’t have insurance, file a personal injury lawsuit against them.
If you’re an accident victim and feel overwhelmed, talk with a professional. They can go over how to build your case and get the best settlement possible.
Who Pays Medical Bills in a Car Accident?
We hope this guide was helpful about what to do after a collision. Now you know who pays medical bills in a car accident. Hire an attorney to help you through the process.
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