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Who Pays Your Medical Bills after an Auto Accident

Who Pays Your Medical Bills after an Auto Accident?

Posted on September 30, 2016

By Daryl Gray

Auto accidents can wreak havoc on your body, your mind, and your pocketbook. What’s worse, recovery is difficult enough without worrying about how you are going to make ends meet. If you’ve been badly injured, it is much worse. Too often, those who are injured have to pay their medical expenses out-of-pocket. This is especially bad when injured people are unable to work because they’ve been badly injured. It is a downward spiral with no end in sight. Fortunately, there is usually some way that another party may be responsible for paying your medical bills.

Consider the circumstances of your accident. Were you in a work vehicle when it happened? If you were, it is likely that your employer’s automobile insurance will cover your medical costs. Worker’s compensation is a second possible avenue if you were working when the accident happened.

If you were not working, your health insurance might cover your medical costs. If it does, the amount it will pay depends on your health care coverage plan. There are usually deductibles and co-pays that reduce the amount paid. If Medicare or Medicaid is your health insurance, those plans will also pay some of the bills.

Another potential source for paying your medical bills is your car insurance policy. Many policies include coverage for medical bills. In insurance terms, this is known as “med-pay.” Med-pay usually has a relatively low payment cap, around $5,000, but this is often enough to pay the bills.

Hopefully, one or more of these options will help provide you with some relief. If they do not, then it is your responsibility to pay the bills. If you can’t, it would be wise to talk with an experienced accident lawyer very soon.

Personal injury lawyers can help you figure out the best way to handle medical expenses caused by a car wreck. Sometimes, the best thing you can do is to bring a lawsuit against someone else who caused the crash. But the time period for filing a lawsuit is very quick. It usually ends only one year after the date of the accident, so it’s important you make contact quickly.

If you or a loved one were injured in an accident, you may be entitled to money damages. The attorneys at Gray Law Group, LLC know that accidents cause can completely change your life. We will help you get back on track. Contact us today for a free case review: (504) 264-5552.