Understanding who pays your medical bills after an accident can be confusing. We can help. Contact us for a free consultation.
One of the most common questions at Schierer & Ritchie, LLC is about who pays medical bills after an automobile accident. Understandably, many clients believe that if they didn’t cause the accident, they shouldn’t be responsible for their medical bills. While this makes sense, the reality is more complex.
Responsibility for Medical Bills
When you seek medical treatment after an accident, the bill for that treatment is between you and the healthcare provider. Ultimately, the money to pay your medical bills will come from the insurance company of the driver who caused the accident. However, there are several steps and considerations involved in this process.
Determining Your Settlement
The total amount of your medical bills is a significant factor in determining the value of your case. Other factors include the severity of the accident, lost wages, disfigurement, and the loss of everyday life activities. These elements collectively influence the amount of your settlement.
Options for Paying Your Medical Bills
Since you are financially responsible for your medical bills until your settlement is resolved, here are some options to manage these expenses:
- Submit Your Bills to Your Health Insurance: Always submit your medical bills to your health insurance provider. If your health insurance covers these bills, a subrogation claim is created. When you receive your settlement, a portion will go towards reimbursing the health insurance company for the medical expenses they paid on your behalf.
- Submit Your Bills to Your Medical Payments Coverage: Many drivers have medical coverage (MedPay) on their automobile insurance policy. MedPay covers medical expenses regardless of who was at fault for the accident. You can submit your bills to your auto insurance company if you have this coverage. If you do not have MedPay, it’s advisable to consider adding it to your policy for future protection.
- Pay It Yourself: You can pay your medical bills out of pocket and seek reimbursement through settlement proceeds. This option may be necessary if you lack health insurance or MedPay coverage.
Why Legal Assistance is Crucial
Navigating the complexities of medical bill payments and settlements can be daunting. This is why seeking legal assistance immediately after an accident is essential. At Schierer & Ritchie, LLC, we specialize in helping individuals injured in automobile accidents. We will review your case for free and work on a contingency basis, meaning we only receive a fee if you recover money for your injuries.
Contact a Trusted Automobile Accident Attorney Today
Don’t navigate this complex issue alone if you’ve been involved in an accident. Contact Schierer & Ritchie, LLC at (309)-839-2024 for a free consultation. Let us help you understand your options and ensure you receive the compensation you deserve for your injuries and medical expenses.