If you are injured due to the negligence or fault of another person, you may not be sure who will pay for your medical treatment. While personal injury claims and suits are great for recovering damages, oftentimes, it takes a while to receive compensation (if your case is successful).
In the meanwhile, your medical bills will continue piling up and payment will have to come from somewhere until you receive a settlement payment. How, when, and who pays your medical bills will depend largely on the state that you live in and they type of insurance coverage that you have.
If your medical bills have started to accumulate and you are unsure of how they will be paid, the attorneys at Fasig & Brooks recommend that you contact a reputable personal injury lawyer to discuss the details of your case as soon as possible. Learn more below about who pays your medical bills after an accident.
Defendant’s Don’t Usually Have to Pay Ongoing Medical Bills
In general, if you are injured in any type of accident, you are responsible for paying your medical bills as they are incurred. The only exceptions to this are typically car accidents that occur in states with “no-fault” insurance laws and accidents that involve “medical payments” insurance.
This is true even if the person that caused the accident is fully at fault. However, if the defendant’s insurance provider agrees to a settlement offer after you make a claim or the defendant is found at-fault in court, they will pay for your damages (which can include the cost of medical treatment).
The cost of medical treatment is usually a huge part of the damages that plaintiffs seek to recover. Unfortunately, in most cases, you will have to wait until you accept a settlement offer or are successful at trial to recover compensation for your losses.
What Happens if The Accident Happens in a “No-Fault” State?
No-fault car insurance means that your own car insurance company will pay for some or all of your medical bills if you get into an accident. This is the case regardless of whose fault the accident was. Payments are capped at the limit of your insurance coverage or “no-fault” coverage limits imposed by the state that you live in.
If your medical bills exceed coverage limits, your health insurance (if you have it) may cover the remainder of the costs. Those that are uninsured will have to make payments on their own. If you suffer serious injuries that exceed a certain cost, you can file a claim against the at-fault driver for the remaining amount. However, personal injury claims can take months or years to resolve in some cases. So you will still need to manage the financial strain of your ongoing medical bills until you can find relief via a successful personal injury claim or suit.
Who Pays if I Live in a State Without No-Fault Laws?
If you are injured in an accident in a state that does not require no-fault insurance, you will likely be responsible for paying all of your medical treatment costs as they amass. However, some people have additional coverages that will cover medical payments (up to a limit). In general, limits are usually capped at $10,000. If your medical bills exceed this amount, you will be responsible for covering the rest of the costs.