When you’ve been involved in a vehicle accident, the consequences last well after impact. Not only are you focused on your personal recovery, but you also have to worry about filing insurance claims, getting a rental car, and coping with the trauma that lingers after a vehicle crash. To make matters more complicated, if the accident was not your fault, you now find yourself dealing with multiple insurance companies as you try to get the best medical treatment for injuries you sustained.
When the medical bills start arriving, you can start to feel especially stressed out. In fact, you may not be working due to your injuries, which means bills are coming in without a steady stream of pay from your workplace. It’s stressful and frustrating, to be sure.
Who Pays for My Medical Bills?
If you have been involved in a vehicle accident that was not your fault, you are not responsible for your medical bills. However, that does not mean the medical bills won’t keep arriving at your home address. Technically, the responsible driver’s insurance company should pay for your medical bills, but they will not do it as each bill comes. Instead, you will be responsible for collecting bills and submitting them at the end of your treatments.
Most insurance companies will not pay for your medical bills until your treatment is complete. This is tricky because depending on your injuries, you could be under a physician’s care for weeks, months, or even years. Unfortunately, medical bills must be paid in the meantime, which means your health insurance can step in to pay the remaining amounts while you focus on recovery.
When you are released from treatment, the responsible driver’s insurance company will then begin working on your settlement. You will have to take into account the payments your personal health insurance company made on your behalf, as well as any co-pays or out of pocket money you had to pay during your time in treatment.
It is difficult to coordinate your settlement without the assistance of an experienced personal injury attorney. At O’Brien Law, we are experts with personal injury and are ready to advocate for your best outcome with insurance companies and responsible parties. Let us help you get the compensation you deserve.