This creates a challenging situation: bills arrive while your case is pending, but the at-fault driver's insurance won't pay until the case resolves. Understanding your options for managing bills in the meantime is crucial.
Who Is Ultimately Responsible for Your Medical Bills?
The at-fault driver (or their insurance company) is ultimately responsible for your medical expenses. However, they don't pay your bills directly as you go. Instead, medical expenses are included in your final settlement or judgment.
Options for Paying Medical Bills While Your Case Is Pending
Several options exist for covering medical expenses while your head-on collision case is pending. Your health insurance may cover treatment (though they'll seek reimbursement from your settlement). Medical payments (MedPay) coverage from your auto policy can help.
- ✓Health insurance (with subrogation reimbursement)
- ✓Medical payments (MedPay) auto coverage
- ✓Letters of protection (providers wait for settlement)
- ✓Medicare or Medicaid (with liens)
- ✓Workers' compensation (if work-related)
- ✓Negotiate with providers for payment plans
Frequently Asked Questions
Can I use my health insurance for car accident injuries?▼
Yes. Your health insurance covers car accident injuries. However, your health insurer has a right to reimbursement (subrogation) from your settlement. Your attorney can often negotiate reduced reimbursement.
What is a letter of protection?▼
A letter of protection (LOP) is an agreement where medical providers treat you and wait for payment until your case settles. Your attorney guarantees payment from the settlement proceeds.
What if I can't afford medical treatment?▼
Don't skip treatment due to cost concerns. Options include letters of protection, MedPay coverage, health insurance, and medical financing. Documenting all treatment is crucial for your claim.
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