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Paying Medical Costs | Car Accident Medical Bills

How to Pay Your Medical Costs After a Car Accident

Car accident personal injury lawsuits are common after accidents that were caused by negligent or reckless drivers. Unfortunately, the time lapse between when the accident and related injuries occurred and when the lawsuit is settled can take months or years. How can victims pay for their medical bills, receive medical costs reimbursement, or pay for other accident-related expenses while waiting for their cases to resolve?

They usually rely on their insurance policies.

You Are Responsible For Your Accident Bills

Even if another person or party is responsible for your accident and even if that responsible party will eventually be required to pay damages to you, you are still responsible for any medical or property damage bills that come due. In nearly every situation, your bills will be due before your claim is resolved. Most people turn to their health insurance to pay these bills and that’s what you should do. 

Using Insurance To Cover Medical Costs

Most people think they will be protected by their auto insurance if they are ever in an accident, but the only type of auto insurance required by the State of Wisconsin is liability insurance. This will not help you if you need medical costs reimbursement or need help paying for repairs to your vehicle. It is worth it to have a conversation with your car insurance agent to review your policy for gaps in coverage and learn about policy add-ons that can help you cover accident-related costs.

  • Medical Payments Insurance or Med Pay is a car insurance policy add-on that will help pay for your medical costs upfront and seeks medical costs reimbursement from the at-fault party’s insurer. There is no deductible to meet. When selecting this insurance, be mindful of the amount of coverage purchased. The minimum purchase amount is $1,000, but that is unlikely to go very far in paying your medical bills after an auto accident.
  • Private health insurance coverage can be used to pay for many medical costs, treatments, and procedures. You will have to meet any co-pays or deductibles and your insurance provider may seek medical costs reimbursement out of the compensation amount you are awarded if you win your car accident lawsuit.
  • Medicare/Medicaid can be used to pay for medical expenses. Just like private health insurance, you will most likely be required to reimburse the government for any medical payments made on your behalf once your case is settled in court. Again, reimbursement will be paid out of the compensation you are awarded.

Hire a Car Accident Attorney To Help You

If you are the victim of a car accident and believe another party is responsible for the accident, contact the accident attorneys at Eisenberg Law Offices. Our team can advise you of your legal options and help you fight for the damages you are due.  

Contact us at 608-256-8356 or to arrange a free case consultation.