Paying Your Medical Bills After a Car Accident

Auto Accident Lawyer

Who is responsible for paying medical bills after a car accident? Unfortunately, you are responsible for your own injuries initially. While you will have an opportunity to sue the at-fault party, depending on your state’s liability rules, the initial expense will be yours.

Fortunately, as an auto accident lawyer in Houston TX from a firm like John K. Zaid and Associates can explain, you do have options for paying medical bills and arrangements that might protect your financial position. While you can pay the bills upfront, for many people, this is not a viable option. Instead, you can opt for one of several methods: Using private insurance, Medicare or Medicaid, attorney liens, or personal or family loan.

Private Insurance

If you have personal insurance, you can contact a representative and ask about coverage options. Some insurers will allow a client to use their policy with the understanding that any settlement money or judgment must first repay the policy. For many victims of car accidents, this arrangement is optimal.

You can also check your car insurance policy. Most auto insurance plans have personal injury coverage. The terms might still require the repayment of any coverage used if you reach a settlement with the at-fault driver.

Medicare and Medicaid

If you qualify for Medicare or Medicaid, you can use both policies to receive the treatment you need. As with other policies, you will have to repay the coverage if you sue and win or reach a settlement. The beauty of governmental policies is there is no question of whether you can or can’t use them for personal injuries, so you do not have to hesitate to get the care you need.

Attorney Liens

If you do not have insurance and cannot afford treatment for your injuries, talk to your personal injury attorney. Depending on the specifics of your claim and the likelihood of success, your lawyer might be willing to negotiate with hospitals, doctor offices, and rehabilitation centers to ensure you get the treatment you need.

The way an attorney lien works is that the lawyer promises the doctor or health facility to ensure payment out of any judgment or settlement before you receive the award. Most often, the lien is enough to get you treatment.

Personal or Family Loan

If all else fails, you can apply for a personal loan or ask family members for some financial help. Regardless of your lawsuit plans, receiving medical treatment is vital to your health and well-being.

Were you in an automobile accident? If so, contact a local personal injury attorney and schedule a consultation. Let a professional help you determine the validity of your claim.