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Who Pays Medical Bills After A Car Accident?

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Roxell Richards

How medical bills are being paid after an Auto-Accident?

In Houston, a car accident may happen in an instant. The consequences can throw your life and finances into mess. You could have a painful injury that needs hospitalization, surgery, and possibly follow-up therapy. The associated costs might be extremely difficult. However, if you are injured as a result of the negligence of another driver, you should not bear this weight alone.

Your injuries should be covered by the insurance company representing the driver who caused the accident. However, you might have to rely on your own health insurance at first. You should never put off seeking medical help because you are worried about paying your medical fees. After a car accident, always visit a doctor for a thorough examination. This guarantees that you receive the most accurate diagnosis as soon as possible. It also serves as proof of your accident-related injuries in case you need to file a claim later.

Get your Medical Bills paid after a Car Crash 

Personal Injury Protection

If you have a personal injury protection PIP policy, you can file a claim against it to get your initial medical bills paid. While your lawsuit against the at-fault motorist was pending, PIP will cover your medical expenses up to the insurance limits. In Texas, insurers are required to include PIP coverage in their auto insurance policies. Unless you specifically declined it, you may have it. If you’re worried about being able to pay your medical bills following a car accident, PIP coverage is a good idea.

Medicare, or Medicaid

If the accident victim has private health insurance, Medicare, or Medicaid, the medical expenditures will be covered by the insurance company. The deductible and other policy limitations will apply to this coverage.

The victim can file claims with the insurance company as soon as he or she receives medical bills from healthcare providers. These claims formally request that the insurance company reimburse the medical bills in accordance with the policy’s provisions. The insurance company may deny the claim if the operation or healthcare service is not covered by the policy. Even if the claim is appropriately refused, the victim may be responsible for the costs out of pocket.

Victims who have had their insurance claim rejected and have had to pay for medical treatment on their own should consider forming an attorney-client relationship with a local law practice. It might be considered bad faith if a health insurer refuses to fund charges that are covered by their policy.

 Out-Of-Pocket Expenses

In most cases, the victim of a car accident is responsible for paying his or her own medical bills. This is true even if the other driver was clearly at blame for the accident. If the victim has health insurance or Med-pay, the insurance company may pay for the expenses as they arise.  If the victim has no health insurance, then he or she will be personally responsible for paying all of their medical bills out of their own pocket. The victim’s out-of-pocket expenses can then be compensated through a verdict or settlement.

Even when it is evident who caused the incident, this is the case. Once the at-fault driver has been held liable for the accident, they will only have to compensate the victim. If a jury concludes that he or she caused the accident, or if the driver settles the personal injury claim against them, this will happen.

Worker’s Compensation

People get treatment after a car crash here in Texas is when they have a worker’s compensation claim. This only applies to people who are hurt on the job. But if you’re hurt on the job, you can get your medical treatment through your worker’s compensation carrier and still make a claim against the people that caused your accident. In these cases, your worker’s compensation carrier might have a lien on your case if it was with a third party. Worker’s compensation does not have liens on uninsured motorist settlements.

Texas Is An “At-Fault” State.  How are bills paid in an “At-Fault” state?

In Texas, the driver who is found to be at responsible for a collision is accountable for all costs involved. However, before an accident victim’s bills are reimbursed by the at-fault driver’s insurance company, the victim must prove that the other driver was at fault.

You can seek damages in the following ways:

  • File a claim with your own insurance provider
  • File a third-party claim against the at-fault driver’s insurance company
  • File a personal injury lawsuit against the at-fault driver in civil court

What Should I Do?

Get a Personal Injury Attorney

If you suffered severe injuries caused by another driver in Houston, you should seek the guidance of a skilled attorney to seek all the car accident compensation you deserve. Do not accept a settlement offer from another driver’s insurer without consulting a lawyer first.  After a car accident, it can be necessary to hire a personal injury lawyer to represent you in your case. Contact us for a free consultation today to discuss your case and find out about how we can help to recover your damages. Call us now at 1-855-GOT-INJURED. Let us help you.

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