You’ve been involved in a car accident, and now you’re faced with the question of who will pay for your medical bills. It’s not always clear-cut when it comes to who pays for injuries sustained in an accident. Read on to learn more about who pays for medical expenses after an auto collision:
The Defendant Doesn’t Have to Pay Your Medical Bills On an Ongoing Basis
The defendant doesn’t have to pay your medical bills on an ongoing basis. This means that the defendant does not have to continue paying you for medical care after the accident that caused it.
The defendant also doesn’t have to pay your medical bills after you’ve recovered from the injury and returned back to work or school, even if they’re related directly to what happened at work.
Health Insurance, Primary, and Secondary Coverage
Health insurance is a form of insurance that protects you from financial loss. It pays for medical expenses and lost wages should you end up in the hospital or need care there. Health insurance is also known as “Medical Insurance,” “Medical Coverage,” or simply “Health Care.”
If you have health insurance, then your provider will pay for most (if not all) of your treatment costs after an accident at work or school. However, there are still some things for which you’ll have to pay out-of-pocket:
Hospitalization – The majority of hospitalization costs are covered by most insurers; however, if this isn’t true for yours then it would be wise to ask about how much they’ll cover before making any decisions on whether or not they’re worth taking out coverage on!
Outpatient visits/appointments – These may sometimes also be covered by private insurers. But typically, aren’t since many people prefer having their doctors perform these services directly instead of going through third parties like hospitals which can cause delays.
Paying Medical Bills After a Car Accident In a “No Fault” State
If you’re involved in an accident in a “no fault” state, your own insurance company will not pay your medical bills on an ongoing basis. You can sue the other driver for damages and hope to collect some money. But if you want to collect compensation for medical expenses from the other driver’s insurer (and possibly their employer), then it’s up to them—not you—to cover these costs.
The same goes for personal injury lawsuits involving car accidents: no one should have any expectation that they’ll get paid by their own insurer after being injured because of someone else’s negligence or wrongdoing.
Paying Medical Bills After a Car Accident In a “Fault” State
If you’ve been in a car accident in a “fault” state and are injured, the defendant (the person who caused your accident) is not responsible for paying any of your medical bills. The reason why this happens is because insurance companies only cover injuries if they were caused by another driver’s negligence. In other words, if someone else crashes into your car while driving recklessly (and therefore causing an injury), then their insurance company will not pay for any treatment related to that crash.
However, even if the defendant was at fault for causing your injuries—which is rare but possible—they’re still not legally liable for paying off those bills themselves. Since they weren’t at fault when they happened.
Paying Medical Bills After an Accident on Someone Else’s Property
If you’re a plaintiff in a lawsuit and your injuries are serious, it’s possible that you’ll end up with medical bills. But the person who was responsible for injuring you is not responsible for those bills—and therefore should not be left paying them.
In fact, if your case goes to trial (or settlement), the defendant may end up being responsible for paying all or some of these expenses. However, even if this happens and your injuries are severe enough that they require ongoing care from a doctor or other health professional, most defendants would still try their best to help cover these costs out of goodwill rather than out of guilt or obligation. The same goes if they’re forced into bankruptcy due to an accident on someone else’s property: They’ll likely default on paying off their debts because they don’t want anyone else’s problems getting in the way of theirs.
Paying Medical Bills After a Work-Related Accident
If you were injured at work, the employer is responsible for paying your medical bills. However, if there are any gaps in coverage or if it isn’t clear whether an insurance policy applies to your case, then the employer may not be able to pay all or part of your medical bills after an accident.
Once again: It’s best practice to make sure that every employee has appropriate insurance coverage before they’re placed on assignment at work.
The Insurer Is Entitled to Reimbursement
It is important to understand that the insurer is not required to pay. The insurer is entitled to reimbursement, but they do not have to make those payments under any circumstances. They are also not required to make payments in the event of an accident if you don’t cooperate with them or file a claim within their prescribed time frame.If you want your medical bills paid by your insurance company after an accident, then it will likely be more beneficial for them. If you cooperate with them during the claims process.
Getting Help After an Accident
If you have health insurance, the first thing to do is find out if your policy covers injuries sustained in an accident. If it does, check with their claims department to see if they will pay for medical expenses related to your accident. Some companies will even let you file a claim online or over the phone!
You can ask friends and family members, who may have been involved with the accident but aren’t covered by insurance. Whether or not they would be willing to help pay for some of these costs (but don’t go overboard—it’s important that everyone involved gets reimbursed). If none of these options work out or if there are still unanswered questions about how much money will be available after an accident. Then consider hiring our attorneys that specialize in personal injury law, as well as getting treatment at one of those rehabilitation centers.
If you or a loved one has been injured in an accident, it is important that you call us at 416-477-6844. We, at BE Personal Injury Lawyer in Scarborough are here for your assistance. Call now.
