WHO PAYS FOR MY MEDICAL BILLS AFTER A CAR ACCIDENT?
When you sustain injuries due to someone else's negligence, you may pursue a personal injury claim to seek compensation for your damages. While you are treating and recovering, the question arises as to who is responsible for paying your medical bills. This blog post aims to shed light on this matter and provide a clear understanding of the process.
1. Health Insurance Coverage:
The number one source of coverage for your medical treatment should always be your health insurance. Important tip: always bill your medical insurance for all of your medical treatment! The less unpaid pending bills you have at the end of the process, the more money you can keep out of the final settlement.
2. MedPay Coverage:
Another avenue for covering medical bills is through MedPay (Medical Payments) coverage. MedPay is optional insurance coverage that can be purchased in Virginia. It covers medical expenses for the policyholder and their passengers regardless of who is at fault in an accident up to a certain amount. If you have MedPay coverage on your auto policy, you should certainly take advantage of it. It will provide some additional coverage on top of the liability settlement. Some businesses also have MedPay coverage which is applicable if you got injured at some business premises.
3. Liability Insurance of the At-Fault Party:
Ultimately, the party at fault for the accident or their insurance company is responsible for compensating the injured person for their damages, including medical expenses. However, the final settlement accounts for all of the medical bills, regardless of whether they are already paid or not. This is why using your medical insurance is very important. Otherwise, unpaid bills will need to be paid out of your settlement money. Besides, reaching a settlement might take a long time and some of the medical bills might end up in collection agencies by that time.
If you do not have medical insurance and the bills have to be paid out of the future settlement, your attorney should notify your medical providers of the pending claim. Some healthcare providers may be willing to wait for payment until the claim is settled. Experienced and diligent personal injury attorney will also try to negotiate with the medical providers and reduce the pending amounts, so you can receive the most money possible from your settlement.
Conclusion:
Having an experienced personal injury attorney on your side can significantly impact the handling of medical bills during the claim's pending period. An attorney can guide you through the process, ensure your rights are protected, and negotiate with insurance companies and healthcare providers on your behalf.
Ernest Law Group, PLC in Virginia Beach represents accident victims in personal injury cases throughout Virginia. Call us at 757-289-2499 or contact us online to schedule a free initial consultation. Once you retain our firm, we will give you and your case personal attention as we work to collect maximum compensation from the parties liable for your injuries. Call us today 757-289-2499.
Ernest Law Group, PLC is located in Virginia Beach, VA and serves clients in and around Norfolk, Portsmouth, Fort Monroe, Hampton, Virginia Beach, Chesapeake, Chesapeake City County, Hampton City County, Norfolk City County, Portsmouth City County and Virginia Beach City County.
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