Bills, Bills, Bills: Who Pays Medical Bills In a Car Accident?
Who pays medical bills in a car accident? If you’re struggling to pay your medical bills after a car accident, read on to find out about your options. One option includes Lawsuit Advances and Pre-settlement funding!
Studies have found that over 60% of Americans are surprised by medical bills they thought were covered. A large part of this percentage can be accredited to the number of Americans who are unaware about who pays medical bills in a car accident.
To help avoid any surprises, read on to learn more about getting your medical bills covered after a car accident.
Who Pays Medical Bills in a Car Accident
The following days after an automobile accident can be scary for multiple reasons. The reality of your financial situation should be setting in. Medical bills don’t take long to pile up, and you’re probably wondering who will be responsible for the payment.
There are a number of factors that determine who pays medical bills in a car accident. Factors include where the accident occurred, whether either party was under the influence of drugs and alcohol, and a number of witnesses. The evidence that proves a specific party is at fault will also be considered.
Looking at the State You Live In
Some States do not fall under the category of a “no-fault insurance” state, in which case you may be required to handle your own medical bills.
This makes it vital to know the current laws and standings in the state where the accident took place. Even if one or both drivers are not from the state where the accident occurred, the law is still dependent on where the actual accident took place.
Obligations of the Defendant
In the event that the accident did take place in a fault state, and you have enough evidence to prove the defendant is the cause of the accident. It’s likely the defendant will be required to pay your medical bills.
In this case, it’s important to know that the defendant is not obliged to continue paying medical bills for the course of your treatment, rather one bulk payment. This means if your medical expenses go beyond that payment you will be responsible for the extra cost. This is why it’s important to be sure the correct amount is paid from the beginning.
Working with Insurance
In some cases, you may be able to handle the payment through your or the defendant’s insurance provider. In this instance, The insurance company is likely to open their own investigation to determining who is at fault for the accident.
If the defendant is found to be at fault, their insurance may be responsible for covering your medical bills.
Reimbursements and Settlement Funding
While it may be tempting to avoid paying medical bills until a verdict is reached, injury claims can take from six to eighteen month to be settled, and failing to handle your medical bills can put you in critical debt with additional fines and debt collectors.
It is recommended to handle your medical bills promptly and request reimbursement from the defendant in the event that they are found to be the one at fault.
Applying for a cash advance payment is another way to help ease your financial situation while your injury claim is still pending.
Getting the Help You Need
From knowing who pays medical bills in a car accident to understanding how to file an injury claim, the processes that follow a car accident can be complicated and frustrating.
For this reason, we suggest working with a professional that truly understands the process and can get you the financial help you need quickly. Contact us today to learn more about how we can help.