Who Pays your Medical Bills During Recovery from a Car Accident?
After a car accident, medical bills can pile up quickly. An injured victim of a car accident should be focused on healing and not be burdened with fighting off bill collectors from unpaid medical bills.
At Carlson & Burnett, LLP we understand the tangled web of car accidents, medical bills, insurance companies and medical collection.
The Negligent Driver is Ultimately Responsible for your Bills
However, the law does not require the negligent driver or his/her car insurance company to pay bills immediately or even after months and months of waiting following a car accident.
The law allows the negligent driver and their insurance company to pay off the bills at the end of your case. This inconvenient truth requires you to be responsible until your case is settled or tried to a jury. The best solution is to use:
- Health insurance - If you have health insurance, submitting your medical bills to your insurer is the best way to be sure that they will be paid promptly. If you have been in a car accident, the insurer will likely seek reimbursement at the end of the case, but you will be allowed to claim the entirety of your medical bills as damages if you go forward with a personal injury suit.
- Your own Automobile Insurance Medical Payment coverage - Many auto insurance policies come with "Med Pay" coverage up to a certain amount. It is important to realize that these limits are often low, and will usually not cover all of your medical expenses if you've been injured in a car accident, but they can be used to pay your health insurance deductable or other medical bills your health insurance refuses to pay.
- The providers of your medical care may place a lien on your settlement - If you're seeking damages from another party as a result of your auto accident injury, your health care providers may claim a legal right to be paid out of your settlement.
With multiple insurance companies and third parties involved, sorting through these details can become very complicated and exhausting. Working with a Carlson & Burnett, LLP attorney that has the experience and expertise to keep your medical care in place is essential to a full recovery.
Nebraska gives you a number of options to seek relief from medical bills while you are waiting to end your treatment. The best option for you should be determined after careful examination of all the facts of your case.