How Will My Medical Bills Get Paid If I am Injured in an Auto Accident?
After getting in an auto accident, you may be left with a pile of medical bills and wonder how you will pay them. The insurance company for the at-fault driver will not pay your medical bills as they come in, but you do have several options (listed below):
If you're covered under any type of health insurance whether it's a personal policy (such as Blue Cross, etc.) or a state/federal insurance (such as Medicare, Medicaid, etc.) we recommend using this policy to pay your bills. Your health insurance typically pays a discounted rate to the medical providers. In some instances, you may be required to reimburse your health insurance from your settlement funds, but your injury attorney should handle this issue for you.
Medical Payments Coverage (aka “Med Pay”)
Medical payments coverage is an added benefit that some people have on their own auto insurance policy. If so, it can be used to pay for the medical expenses you incur as a result of your car crash. Your “med pay” company may pay your doctors directly or pay you directly to reimburse you for the medical bills. There are some rules that apply regarding who is allowed to use the med pay coverage on a policy. Your injury attorney should be able to review your auto insurance policy and advise you on this issue.
Medical Funding Companies
If you don't have health insurance or “med pay” benefits, you may feel like your only option is to come out of pocket. However, there are many companies who will pay for your medical treatment of injuries suffered in a car crash on a lien basis. This simply means that the company will pay your doctors for your medical treatment up front, but will wait to get reimbursed from the funds of your personal injury settlement.
At the end of your case, your injury attorney will verify the balances of your medical bills and liens to determine what needs to be paid out of your settlement funds. In most cases, your auto injury attorney should be able to negotiate a reduction on your behalf.
If you have been injured in a car collision, the experienced injury lawyers at Hall & Collins Injury Law are waiting to help you! Just call 706-351-6055 to speak with an injury lawyer for your 100% FREE case consultation.