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Who Pays Your Medical Bills After a Car Accident?
For anyone who has been injured in a car accident, one of the first questions that runs through their mind is who will take care of their medical bills. Unfortunately, you are responsible for making sure your medical bills are paid as they become due, even if the other driver was at fault. Of course, your total medical expenses will be part of the claim against the at-fault driver, and you will request compensation for those expenses as part of a settlement demand. However, the other driver and his insurance company are not going to pay your medical bills as they come in, and you are legally responsible for paying them while your accident claim is pending. So does this mean you have to pay all of your bills out of your own pocket while your claim is pending? Hopefully not. If you have health insurance, it should be billed for any medical expenses. Another potential source of payment for your medical bills is the medical payments coverage on your own auto policy or on the policy for the car you were in at the time of the accident. Medical payments coverage, or “med pay” for short, is basically health insurance for car accidents. It can be used to pay medical bills regardless of who is at fault, and it can even be used if you were not in a car at the time of the accident (for example, if you were a pedestrian, on a bicycle, etc.). If you are unable to pay your bills—either because you do not have health insurance or medical payments coverage, or if you do have insurance but you just can’t afford the co-pays and deductibles—then some providers will treat you on a lien, which is essentially where you promise that you will pay the provider for the medical bills owed when you receive compensation from your accident case.