How To Pay Medical Bills After a Car AccidentPublished: May 26, 2021 in Car Accidents
If you were in a car accident and had serious injuries, you may be wondering how to pay your medical bills. They may be piling up fast with no end in sight. Read below to learn about some options you have for taking care of your medical bills after a car accident.
If you were in a wreck, contact the Alabama car accident lawyers at Belt & Bruner, P.C. We know how to navigate the legal system and help you get the compensation you deserve.
Who Pays My Medical Expenses After a Car Wreck?
Alabama is an at-fault state when it comes to car accidents. That means that the person who caused your injuries is responsible for paying all your medical costs – through his or her insurance coverage.
All Alabama drivers are required to have auto insurance. The minimum required coverage is:
- $25,000 bodily injury liability per person
- $50,000 all bodily injuries per accident
- $25,000 property damage per accident
If you exhaust the $25,000 bodily injury amount, you will have to find another way to pay the remaining medical expenses. A car accident lawyer can help you explore these options.
What If the At-Fault Motorist is Underinsured?
Paying your medical bills can be more challenging if you were injured by:
- An uninsured motorist
- An underinsured motorist
- A hit and run driver
If the person who caused your wreck didn’t have insurance or didn’t have enough, you may have other options for coverage of your medical bills. Likewise, if the at-fault party’s insurance company denies your claim, you will need to seek other sources for financial recovery.
Your Personal Health Insurance
If your medical bills exceed the other party’s coverage – or if they don’t have insurance, you can use your health insurance. A car accident lawyer with Belt & Bruner, P.C. can ask the hospital to delay billing if you have a pending personal injury case.
If your health insurance company does pay for your medical bills and you later get a settlement, you might have to repay your health insurance for their payments.
Your Auto Insurance Coverage
If you have uninsured/underinsured motorist coverage, it might cover your injuries after a wreck. You would have to file a claim through your own insurance company. Even if you file a first-party claim, you should work with a car accident lawyer to help you get the most money possible.
What Types of Medical Bills Are Covered?
The at-fault driver’s insurance can cover all your past and future medical care caused by the car accident. That includes expenses like:
- Ambulance rides
- Emergency room visits
- Urgent care visits
- Primary care visits and co-pays
- Physical therapy
- X-rays, MRIs, and other imaging
- Chiropractor visits
The insurance company should cover any treatment that is conducted by a medical professional. If they try to fight your medical treatment as unnecessary or unrelated, your car accident lawyer can handle the situation.
Belt & Bruner, P.C. Can Help You Get Your Medical Bills Paid
You should not have to deal with an insurance company while recovering from injuries caused by someone else. A car accident lawyer can help you pay your medical bills by filing an insurance claim or a personal injury lawsuit.