Immediately after a car accident or incident that wasn’t your fault, you’re probably in shock and thinking about how much pain you’re in. However, as time passes, your attention may turn toward the cost of your medical bills and who will pay them. After all, your injuries weren’t your fault, so why should you bear the financial burden for them?
The unfortunate reality is that your medical bills are your responsibility, but that doesn’t always mean you’ll be out of pocket for them. We’ll attempt to shed some light on how payment for your medical expenses might work.
You’re Responsible for Your Own Medical Expenses
People who look for more info on how medical expenses are paid after an accident or incident may be shocked to discover that they are solely responsible for making sure their bills are paid.
As medical treatment is provided, the bills associated with them are sent to your address, not that of the person who may have caused your accident or injury. You might be responsible for making sure they are paid, but various rules and laws can come into play for how you might make those payments, depending on the situation.
Paying Medical Bills in a ‘No Fault’ State
If you were involved in a car accident in a no-fault state, it is likely that your vehicle insurance provider will pay some, if not all, of your resultant medical bills up to the no-fault limit of your insurance policy.
Once you have reached your vehicle insurance payment limit, you may need to cover the medical bills yourself. Fortunately, you do have options, even in no-fault states.
If you have health insurance or state-run health insurance, it’s highly likely that your insurer will pay those bills. You may also be within your rights to file a liability claim with the at-fault driver to fight for damages, part of which can be medical care. Talk to a car accident lawyer to find out more about the claims process.
While you wait for a settlement figure to be determined with the help of your attorney, you may decide to set up a payment arrangement with your medical care provider or reach out to a pre-settlement loan company.
These companies allow you to borrow against an expected settlement figure, which your attorney then repays once the at-fault party pays your compensation. If your case doesn’t settle in your favor, you may not need to pay the loan company back.
Covering Medical Costs in a State Without No-Fault Insurance
Getting into an accident in a state without no-fault insurance can come with far different rules and regulations than those of a no-fault state. Typically, after a car accident that results in injuries, each person must rely on their own health insurance or bank account funds to cover their medical bills.
In most situations, these states have Med Pay, which allows you to receive coverage for medical expenses up to a specific amount. After that limit, you must cover the costs. Med Pay is not compulsory, which means if both parties do not have it, each person has to pay their own health-related costs.
What About Work Accidents?
While many accidents happen on public roads, an alarming number also occur in places of business. Anyone involved in a work-related accident can make a workers’ compensation claim.
The workers’ compensation insurance carrier may cover all your medical bills without you needing to pick up the bill yourself. Some even provide coverage for related expenses, such as travel to get to your appointments. In work accidents, funds are often released quickly by the employer to cover immediate medical care costs.
How to Cover Medical Care Costs
After being involved in an accident, it can be worth talking to a personal injury attorney to learn about your options, for you have several of them. You may be able to hold the liable party to account, which means you can request damages to cover your medical and other expenses. In the interim, pre-settlement loans can ensure you’re able to support yourself.
There are also three other options: private insurance, government insurance programs, and your personal funds. If your insurance company or a government insurance provider covers your costs, they may seek to be reimbursed by filing a claim against the responsible party.
If you have never been involved in a car accident before, you may not know what your options are surrounding medical care expense coverage. Fortunately, there are plenty of finance options at your disposal. If you are unsure, consult a personal injury attorney who can guide you through the intricacies of insurance and making claims to limit the financial impact.