The world of insurance can be confusing, and if you’re injured in a car accident, the last thing you want to worry about is who will pay for all your medical bills. Don’t fret too much, because your health insurance provider will pay your medical bills if you have health insurance. Most states also require motorists to have some sort of auto insurance, which will cover medical bills. If you’re involved in an automobile accident, don’t let the cost of medical bills scare you from receiving medical care.
When you’re involved in a car accident, you should know that there are different ways your medical bills will be covered. The car insurance coverage of the person deemed at fault should cover all medical expenses up to the policy limits. Once the policy limits have been met, personal health insurance will take over minus any deductibles or copays required. Your health insurance can also cover all medical expenses initially until fault is proven. Then the health insurance company would file a claim with the at-fault driver’s car insurance for reimbursement.
If the other driver is at fault and either does not have car insurance or is underinsured, then your health insurance will step in. You can also carry uninsured and underinsured motorist coverage on your car insurance, which would also help pay any bills not covered by the other driver. As with any insurance, your insurance policy will outline what services are covered and which ones are not. The ones that are not covered under your insurance plans will be your responsibility.
If you’re taken from the accident scene to the hospital via ambulance, you will likely receive all medical treatment necessary. The hospital will work with you to determine what insurance coverage you have. The police department will do its job to determine who was at fault and collect all the necessary information, such as insurance information, names, and contact information from each driver and names and contact information from witnesses. The insurance companies involved, both auto and health, will try to work together to determine the responsible party for medical bill coverage.
If you’re injured in a car collision, and you were not at fault, a lawsuit may be necessary. As a victim, you don’t want to be stuck paying for long-lasting medical issues. You will also likely have lost wages and pain and suffering you’ll want to collect. Contacting a professional to help you sort out your rights is highly recommended. You don’t want to be responsible for astronomical medical bills. Hiring an attorney to negotiate or perhaps even represent you in court is your best option for a satisfactory settlement.
After a settlement is agreed upon or fault is determined at a trial, the insurance companies that initially paid for the medical bills will collect their share first. If there isn’t a auto or health insurance company to reimburse, you’ll be required to pay your medical bills to the provider first. However, your attorney can petition the judge to request a limit on how much the provider can take of the total settlement. Typically, medical providers cannot collect more than 50% of the settlement.
Your attorney will make sure the proper organizations get paid before you receive any money from the settlement. This includes payments to insurance companies, the hospital, and emergency services, as well as attorney fees.
Sustaining an injury from an automobile accident can result in long-term effects such as back issues, leg pain, limited use of a limb, brain injury, or permanent scarring. If you decide to pursue a lawsuit, you should be able to keep a portion of your settlement to help care for your long-term needs, such as occupational therapy, physical therapy, speech therapy, or chiropractic care. Your attorney should request that the payment go directly to you to help cover your future expenses.
The same rules apply to a motorcycle accident, and health insurance will step in to cover any medical bills from injuries resulting from the accident. The auto insurance companies would pay first, and your health insurance would pick up the remaining bills once the car insurance limits are met. If your health insurance picks up the bills first, it will file a claim to the auto insurance companies.
In some cases, you might encounter a medical lien. A medical lien is a claim by doctors or a hospital against an upcoming settlement for payment for necessary medical care. Once a settlement is reached, you’ll be required to pay the medical lien before receiving your part of the settlement. If you have Medicare or Medicaid, it will likely cover your medical expenses and seek reimbursement through a medical lien if a settlement occurs. Either the medical provider will request the payment, or the state will for Medicaid and the federal level will seek reimbursement for Medicare.
The world of insurance can be confusing. If you have suffered a severe injury due to an automobile or motorcycle accident, navigating the stressful twist and turns of the insurance world is the last thing you’ll want to face. When in doubt, talk to a professional. You can reach out to the team at Goodman Acker. We have over 150 years of combined experience with personal injury claims, including automobile and motorcycle accidents. Schedule a free consultation to learn more.
You don’t want to be stuck with outrageous medical bills after an accident, and you want to make sure that you get an acceptable settlement. Your settlement should include all medical bills incurred from the accident, any lost wages, pain and suffering, and future medical commitments for long-lasting injuries. An accident attorney can assist you with this daunting process, easing the worry and stress and making sure you get what you deserve.
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