However, you will be confronted with expenses in the immediate aftermath of a car accident. Other bills may be able to wait, but you must receive medical care as soon as possible. So, how are medical bills paid before a car accident claim is resolved?
Your Insurance Policy and Coverage Limits
Your car insurance plan should offer medical bill coverage up to a certain amount. In Michigan, the minimum coverage requirements for car insurance include $20,000 in bodily injury coverage per person, $40,000 in bodily injury coverage per accident, and $10,000 in property damage coverage. Under many policies, immediate medical expenses are covered right away. As long as the cost of your immediate medical expenses is under your coverage amount, they should be covered.
Other Methods of Coverage
If your car insurance company does not cover the full amount of your immediate medical bills (or other car insurance damages), there may be another way for you to receive coverage. Typically, health insurance will cover the medical expenses that car insurance does not cover. If you do not have health insurance, you may need to pay for your immediate medical bills out of pocket until your claim is resolved.
What to Do if Your Insurance Company Does Not Cover Your Medical Bills After an Accident
In general, injured drivers are entitled to medical expense coverage in the immediate aftermath of a car accident. If your insurance company is not covering your bills, legal action may be necessary. Our attorneys can represent you in a claim against your insurance company, protect your rights, and help you get the compensation you deserve. Additionally, we can negotiate with your medical provider so you are not responsible for bills before you have coverage. We are dedicated to ensuring that injured people receive the support they need after a car accident, and will fight for you while you heal from your injuries.
We are available to answer any questions you may have about your car accident claim. Contact Goodman Acker P.C. to get started on your case.
If you are interested in speaking with our legal team, send us a message or call (248) 286-8100 for a free consultation.