Who pays my medical bills if I’m hurt because of someone else’s negligence?
Your own health insurance. Generally, if you have health insurance, your health insurance should pay the bills. People often expect the negligent party to cover medical bills. However, determining liability and recovery can take months or even years. Do not leave the medical bills outstanding or send them to collections.
When your health insurance covers bills due to another’s negligence, they may assert a lien on the claim to recover expenses. Sometimes, your medical insurance will refuse to pay the medical bills if they think someone else is at fault. If this happens to you, please call our office for a free consultation.
Med Pay through your auto insurance. Your auto insurance can pay medical bills through an optional benefit called Med Pay. Med Pay is an amount someone can access to help them pay for medical expenses while a case is pending. This is different from liability insurance. Your auto insurance provider will often place a lien on the file to be reimbursed for their Med Pay payments.
Should your Med Pay cover post-accident medical bills? Call our office for a free consultation regarding car, motorcycle, or pedestrian accidents.
The negligent party’s insurance. If your injury results from another party’s negligence and they have liability insurance, their insurance company should cover the treatment cost. However, resolving with the negligent party’s insurance carrier can take months or even years.
Health insurance, Med Pay, or Medical insurance may cover medical costs and assert a lien on the negligent party’s liability insurance recovery.
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