Who Will Cover Your Medical Expenses After a Car Accident?
Car accidents are among the most common road traffic accidents (RTAs) that cause hundreds of injuries and even cause fatalities every year. An incident as traumatic as a car accident may cause you additional psychological stress regarding the financial aspect of addressing your injuries. Unfortunately, the immediate cost will have to be borne by the victim regardless of whether they were at fault for the accident or not.
You may later be eligible to receive compensation if insurance companies are involved. Protocols regarding insurance vary from company to company and are subjective concerning specific situations. You must consult a Houston car accident attorney to know more about the nature of medical payments after a car crash.
How you can pay your medical bills if you are in a car accident?
In case of a car crash, the general understanding is that each party involved pays their medical bills. There are some exceptions to this rule, such as in the case of “no-fault states” or if you have medical insurance coverage. The various situations you may encounter are listed below:
A “no-fault” state is one where drivers are expected to carry no-fault insurance, also called personal injury protection (PIP). If you are a victim of a car crash in such a state, your automobile insurance will cover the financial aspect of the medical damages you incur. The scope of the no-fault coverage method exhausts in two situations – if your medical bills exceed the limit of the auto insurance policy or if you decide to file a personal injury claim against the driver at fault.
Private health insurance
If you have private health insurance, you can file a claim with your insurance company to make them liable to pay your medical bills as per the insurance policy. If approved, your private health insurance company pays the medical bills you incur in case of a car accident. An additional component in this aspect is “medical payment insurance,” part of car insurance policies. If you have opted for this, the coverage will pay your medical bills up to the policy limits.
No health insurance
If you are a car crash victim and do not have any health insurance, you will be entirely responsible for paying your medical bills. Talk to your healthcare workers about the possibility of installment payments if the bill amount is heavy.
The crucial point to note is that the defendant (the driver at-fault) is not liable to pay for any damages you suffer unless they are proven guilty in a court of law. This can take a long time, and the defendant’s insurance will not be liable to make regular medical payments as your treatments proceed. You must consult an attorney to discuss the specificities of your case and find out the best possible option for reimbursement of your medical payments.