Who Pays for My Medical Bills After a Car Accident?
by Eric Chaffin | Last Updated: May 1, 2021
The answer depends on two things: the type of healthcare coverage you have and the state in which you live. For those who have Med-Pay or personal injury protection (PIP) insurance, the company will cover costs up to the pre-set limit.
For those without med-pay or PIP, the costs fall on you or your healthcare provider– i.e., Medicare, Medicaid, or private insurance. However, you may qualify for financial compensation if the accident was the other party’s fault.
Your best bet is to talk to a qualified Pittsburgh personal injury attorney as soon as possible.
Who pays the bills after an auto accident?
Getting in a car wreck is always stressful. The challenges become even more difficult when your injuries require professional medical care.
Hospitals, clinics, and private healthcare practitioners provide an essential service. But their care doesn’t come cheap. That’s why most of us carry some health insurance, either through our employer, the government’s healthcare exchange, or programs such as Medicare or Medicaid.
But not everyone has a healthcare plan. For these people, the costs of recovering from a car crash can prove overwhelming.
Fortunately, the law provides ways for accident victims to seek compensation for their expenses. The best way to access these opportunities is to enlist the aid of a Pittsburgh car accident attorney. The sooner you take this step, the sooner you’ll know your options and be able to plan your next move.
What about Med-Pay and PIP insurance?
One way to guard against the crushing costs of post-accident healthcare is to add supplementary medical coverage to your car insurance. This comes in two forms:
- Personal injury protection (PIP): This is also known as “no-fault” insurance. It’s used to pay accident-related medical bills regardless of who caused the wreck. This type of coverage is mandatory in some states and available as an option in most others.
- Med-Pay: This is a more restricted and, in most cases, a more affordable form of coverage than PIP. Its chief drawback is that it’s less comprehensive than PIP. For example, PIP coverage can compensate you for lost income and other related expenses, while med-pay focuses solely on covering medical care.
Your insurance company can advise you on which type of coverage is best for you.
What to do if you have no coverage
This leaves the question of what to do if you lack any insurance. In such a case, you should work with your healthcare provider to make the most favorable payment arrangements possible.
One thing that all auto accident victims should do is talk to a qualified attorney. Here’s why:
- To make it clear that you expect fair compensation: Insurers and at-fault parties are unlikely to offer you the best possible arrangements unless you have professional legal representation.
- To fully understand your options: The advice in this post is intended as general information only. It’s possible that a local law firm may know of other resources for your medical care. But you’ll never know unless you get in touch with them.
- To empower yourself as much as possible: Talking to an attorney is a great way to give yourself a newfound feeling of empowerment. This alone can make a world of difference to your post-accident recovery.
Contact us today
Our attorneys have recovered more than $1 billion for their clients over the years. These funds have helped thousands of people to pay for their accident-related healthcare and enjoy greater financial security.
Get in touch with us today to find out if we can do the same for you. We’re available 24/7, and consultations are always free.