Who Pays for Medical Bills After an Auto Accident?

If you suffer an injury in a car accident, one of the pressing questions is, “Who will pay for my medical bills?”

Illinois is not a “no-fault” state, meaning you are responsible for your medical expenses. While a personal injury settlement or trial verdict can help, you won’t receive any funds until your case is resolved. Notably, the at-fault driver is not liable for your ongoing medical bills during this time.

At Schierer & Ritchie, LLC, our Peoria car accident attorneys are dedicated to protecting your rights and interests. We can help you recover the financial compensation you deserve. Contact us today: (309) 839-2024.

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Understanding Illinois’ No-Fault Status

Options for Covering Medical Bills

There are several ways to manage medical expenses after an auto accident:

MedPay (Medical Payments Coverage)
- MedPay is an optional coverage in your auto insurance policy. Coverage amounts range from $2,500 to $10,000, and it pays your medical bills regardless of fault.
Health Insurance
- Your health insurance can cover your medical expenses by applying contracted rates with your provider. You may still be responsible for copays or deductibles. Your health insurance company may also reimburse a portion of your personal injury settlement.
Liens
- Hospitals often file liens to ensure they are reimbursed for their services. You won’t be billed with a lien until your case is resolved. A lawyer can help you review and enter a lien agreement.
Cash Payments
- In rare cases, you might pay your medical bills upfront with cash.

Dealing with the Other Driver’s Insurance Company

When seeking compensation from the other driver’s insurance company, remember they do not consider your best interests. They may attempt to reduce your settlement or deny your claim.

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