Should I Pay for my Medical Bills After a Car Accident?


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For many people that have been involved in even a minor car accident the problem of how to pay for medical bills quickly comes to the surface. This occurs because the bills arrive before the insurance case is settled, leaving the injured party to either pay the bills on their own or run the risk of having the non-payment impact on their ability to possibly seek further medical care.

Medical Help After a Car Accident

It is essential to continue to receive any and all required medical treatments and assistance after the accident. This is true not only for your health and well being but also for compensation purposes. After the initial medical examination it is critical to contact your insurance company and report both the accident and the medical information. This will help start to develop your records and documentation to proceed with the claim. Delaying or not obtaining this documentation can mean that you aren't able to claim the full amount of compensation you are entitled to.

PIP Applications and Health Insurance Coverage

In states that require PIP or Personal Injury Protection as part of the insurance policy this coverage will cover your medical bills. The insurance company must continue to cover all medical expenses that are related to the accident as deemed necessary by your doctor and their medical expert. If the insurance company questions the medical bills they may require you schedule an appointment with their doctor. Based on this examination they may continue coverage or can deny further medical coverage. Consulting an attorney if a denial occurs needs to be a priority.

Health insurance may also cover injuries in a vehicle accident. The coverage available will depend on the limits of your health insurance policy and may be very different than the PIP coverage you obtained previously.

Paying Out of Pocket

For individuals without health care insurance and where PIP is not required may have to pay for medical expenses out of pocket. This often makes the problem of how to pay for medical bills much more challenging. Some medical care providers may offer to defer payment based on the insurance settlement; however this is not always the case.

How an Attorney Can Help

Being represented by a personal injury attorney can help in covering the costs of your medical bills. They can act on your behalf to speak to medical professionals, hospitals and medical billing agencies to defer payments or even cover payments based on the settlement options. In addition your attorney can work with you to get your settlement as quickly as possible, allowing you to pay off your medical bills in a timely manner.

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