Who Will Pay My Medical Bills After a Car Accident?
One of the first questions a person has after being in a car accident is “Who will pay my medical bills resulting from the car accident?” It seems like a simple enough question, but the answer depends on several different elements. For those who have health insurance, that is one option.
At the same time, you might be concerned that your health insurance premiums will go up after the insurance is used for treating car accident injuries. The bottom line is that no matter where the payment comes from, medical injuries after a car accident need to be treated immediately.
Texas Liability Insurance Coverage
Since each driver in Texas who is actively driving a vehicle is required to carry liability insurance in case of an accident, the medical bills should be covered by the insurance policy of the person at fault. Policies that include personal injury protection (PIP) plans normally also have a clause that extends to medical bills.
Some policies don't include PIP in the policy at all and are not required to. Even though the person who is responsible for the accident is required to take financial responsibility for his or her portion, you can use your own PIP to take care of medical expenses before all the financial elements of the accident are resolved.
In any event, it’s important to have an understanding of what your insurance does and does not cover, even if you aren’t in a car accident.
Using Health Insurance
Health insurance is in place to help you pay for your medical needs. Aside from any limitations in your policy, it should cover your medical expenses. One of the biggest questions concerns what will happen when the other party is held liable.
In this scenario, your health insurance will recover as much of the funds as they are able to from the responsible party’s insurance company. In any case, you never want to allow any medical issues resulting from an accident to go unattended or to allow the resulting bills to pile up. They can accrue interest or late fees that may not be covered by anyone's insurance. In any event, do not ignore your appointments or the bills you receive from healthcare providers.
In most situations, it is better to focus on the actual recovery process than it is to worry about just who exactly will pay for the medical bills resulting from a car accident. This is because your efforts can have an impact on how the court views the seriousness with which you address your own health concerns.
If you are having difficulty paying your medical bills, our attorneys can help figure out a solution until your case is settled. In some cases, we can contact your healthcare providers and set up more affordable payment plans.
Contact us online or call us toll-free at 1-844-325-9290 for a free case evaluation.