Reclaiming Your Life after a Devastating Accident

Been In An Accident? How You Cover Your Medical Bills Depends Upon Who Was At Fault

by Stacy Dean

If you were injured in a car accident, you are going to face medical bills for your treatment and care that you are going to have to pay. Make sure that you contact an auto accident attorney right away if you're in an auto accident. Here are a few different situations that you may find yourself in, as well as the potentially responsible party for the bills based on the situation you are in:

#1 The Other Driver Was At Fault & Is Insured

If the other driver was at fault, you are going to want to get their insurance information and retain their this information to make a claim against them. You are going to need to know their name, vehicle identification number, insurance company, and insurance company policy number. You are also going to want to contact your own insurance company, as they will help you with the claim process against the other insurance company.

Most states require drivers to carry a minimum level of insurance that will cover the medical bills of anyone that they are involved in an accident with. Be prepared for their insurance company to investigate the accident and determine on their own that the person they insured was responsible for the accident.

From there, you will need to work with their insurance adjuster to ensure that all of your medical bills are paid for and that you get a fair settlement amount.

#2 The Other Driver Was At Fault & Is Uninsured

If the other driver in the accident does not have insurance, there are a few ways that you can go about getting your medical bills paid. If you pay for uninsured motorist coverage on your own insurance policy, your insurance provider will pay for any medical bills that you incur when hit by an uninsured motorist. This is a solid type of insurance to carry with you as a backup policy so you are not stuck with medical bills just because another motorist decided not to carry insurance.

Your other option is to pursue a personal injury claim against the other driver in court. However, keep in mind if the driver doesn't have money to pay for insurance coverage, it may take you a long time to recoup the money you need for your medical bills, even if you win a settlement.

#3 You Were At Fault

If you were at fault for the accident, your car insurance will cover your medical bills if you have the right type of coverage. You would need to have personal injury protection on your insurance coverage, which is generally required by most states for you to carry. Your car insurance will cover you, after you pay your deductible, up to the amount of your personal injury protection coverage. Once you max out your personal injury protection coverage, any further medical costs would come out of your own pocket.