If you were injured in a car accident, you most likely will have medical bills that you will be responsible for. If you were taken to the emergency room by an ambulance after a car accident, you will be responsible for the ambulance ride, the emergency room bill, the physician’s fee, any diagnostic testing (x-rays, MRIs, CT scans, etc.), and any procedures that you may undergo.
Yes, if you have health insurance your health insurance carrier will pay a portion of the bill, but you will still be responsible for the deductible and/or co-payments that you are required to pay despite of your health insurance coverage.
Even if you were not at fault for the crash and the other person has car insurance coverage to pay for your bills, don’t expect the car insurance carrier to pay for your medical bills right away. In order for the insurance carrier to pay for your medical bills, they will want you to sign a bodily injury settlement release. If you sign the bodily injury settlement release in order to get your medical bills paid, you may lose your right to pursue anything in the future. If you decide not to settle your case, you will have to pay your outstanding medical bills on your own and then submit your injury claim to the insurance company after you have finished all of your medical treatment.
It is best to have an experienced personal injury attorney help sort out this situation for you. A personal injury attorney will be able to make sure that your health insurance carrier pays what they are responsible for and may be able to put your patient responsibility on hold while you are pursuing your bodily injury claim.
It is also recommended that you do not settle your case just to pay off your medical bills. The value that the insurance company will offer you to pay off your medical bills will most likely be less than what your case is worth. The insurance companies understand that you want to resolve your case and will attempt to settle your case for less than what it is worth because it saves them money. Every dollar the insurance company does not pay you, is a dollar that they keep for themselves.
Do not let the insurance company take advantage of you when they are responsible for more than what they are offering. Make sure to talk to an experienced personal injury lawyer for help. Most personal injury lawyers will provide you with a free consultation and you have nothing to lose and everything to gain from meeting with an attorney.
West Covina car accident lawyer, Lem Garcia, provides free case consultations for people who have been injured in a car accident. Call us anytime to get information and advice about your case.
By: Lem Garcia, car accident lawyer in West Covina