Who Pays for my Medical Bills?

So, you’ve been in a car accident and you’re injured? The first question most people have is: Who is going to pay my bills? This is when the law can get complicated. Technically, the other person is responsible for paying your medical bills. If they have insurance, their insurance company will usually pay for your medical treatment, BUT not until you are all done treating and ready to settle your case. It can take months and sometimes years to settle a case.

So who pays in the meantime? Your insurance company does. If you have Personal Injury Protection (PIP) on your Auto insurance policy, PIP, will pay for your medical bills if they are “reasonable, necessary and related” to the car collision. Unfortunately, some people don’ t have PIP or PIP is quickly exhausted. If you have HEALTH INSURANCE, your health insurance will pay for your medical bills. However, they normally want you to fill out a form telling them who caused the accident and who their insurance company is, so they can get reimbursed before they will start paying for your bills.

Exceptions: If you were injured in a motor vehicle collision, while “On the Job”, you have an L&I claim. L&I will pay for your medical treatment as you get treatment. However, they will also want to be reimbursed. Having an attorney can help you sort out these issues. If you don’t have an attorney, your health insurance will ask the at-fault person’s insurance company to pay them back. However, they won’t fight or ask for any money to compensate you for your pain and suffering.

As always, this is not a substitute for legal advice.  If you have questions about your particular case, you should consult with an attorney.  Most attorneys that handle auto accident cases offer a free initial consultation.