How Are Medical Bills Paid After a Car Accident?

Car accidents can be devastating and costly, especially if you sustain serious injuries that require extensive medical care. It can leave you wondering if you’ll ever be able to recover physically and financially if you can’t pay your medical expenses.

Medical expenses after a car accident can be paid by your car insurance company, health insurance plan, the at-fault driver, or from your personal resources. It’s important to find an experienced and reputable car accident attorney in Phoenix to help you understand which payment options will work for you. A good personal injury lawyer will prioritize your health and wellbeing while you figure out how to manage your medical bills after a car accident.

Who Pays Medical Bills After a Car Accident?

Your attorney should answer all your questions and help you understand the process of pursuing justice and compensation in a car accident case. For instance, they can help you learn what tests are done after a car accident  to support your case and how your insurance coverage will determine who pays the medical bills.

Medical expenses incurred after a car accident can be paid in several ways, including from your personal funds, through car and health insurance coverage, and a legal settlement. 

Insurance Coverage

If you live in a state with no-fault insurance laws, you can use your personal injury protection coverage to meet your medical expenses after a car crash. The amount offered through this payment option depends on your policy limits.

Your auto insurance company can also pay medical bills and pursue the person responsible for the accident for repayment. The defendant’s liability coverage is also a viable option. The only problem with liability insurance is that you must wait to be paid until after liability is determined. 

Your health insurance coverage can help clear your medical expenses after an accident. This coverage comes in handy when your medical bills exceed your car insurance coverage and no personal injury protection is available. However, health insurance doesn’t cover lost wages and other damages.

Cash Payments

You might have to dig into your pockets to pay medical bills after a motor vehicle accident, especially if your car insurance policy doesn’t cover your treatment expenses. 

You may have to pay medical bills yourself and then seek compensation from the person responsible for the crash. This compensation can be secured through a lawsuit or an out-of-court settlement.

Your attorney will advise you on the best course of action and fight to have you repaid. Choosing a car insurance policy that includes medical expenses after an accident will also spare you the hassle of initially paying out of pocket.

Not wanting to pay huge premiums for car insurance even when you’ve never had an accident often pushes people to go for cheap car insurance coverage. Even then, it makes you wonder why your car insurance went up without an accident in Phoenix.

The increase may not be due to anything you did. Increases in policy rates are based on several factors, including premium rates, risk, and claims activities within your area.

Compensation

Your lawyer will advise you to seek compensation if you’re not responsible for the accident. They will file a claim against the driver responsible to make them cover your medical bills and other expenses.

In Conclusion

How you pay your medical bills after a car accident depends on several factors, including who is at fault, your insurance coverage, and your lawyer’s ability to secure compensation from the other parties involved. If you need a qualified and experienced car accident attorney to help you file a claim in Phoenix, call the Gage Mathers team today!

About the Author

Joseph D'Aguanno

Guided by the belief that being a highly skilled specialist in a narrow field is better than being ordinary in everything, Joseph “JD” D’Aguanno leads Arizona’s best personal injury law firm in Phoenix, AZ. Having extensive cross-training in pre-litigation negotiations and trial lawyer skills, with decades of experience, JD strives to provide clients with the most valuable legal services a personal injury lawyer can provide. Under his direction, Gage Mathers Law Group is an award-winning personal injury law firm providing aggressive representation to victims of a car accident, medical malpractice, dog bite, motorcycle accident, and other injurious events. Gage Mathers is trusted by thousands of lawyers and clients throughout the country because of their reputation for getting clients the maximum compensation they deserve.

Years of experience: Over 23 years
Bar number: 020421
Location: Phoenix, AZ
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