After a car accident, medical bills can be very costly depending on how serious your injuries are. Many of the clients at Parke Gordon Law Firm often ask, how can I get all of my medical bills paid after a car accident? This blog post will discuss how your medical bills get paid after a car accident and what you need to know about the process. Keep in mind that paying for medical bills after a car accident will depend on the accident you were involved in, what state you live in, and what type of insurance coverage you have as well as the insurance coverage of the negligent party.
Bills You Can Expect After a Car Accident
Once you have ridden in an ambulance, been taken to the hospital, or seen by a healthcare provider, you should expect the medical bills to start rolling in. Here is a list of some providers you can expect medical bills from after a car accident.
- The ambulance services
- The ER doctors
- The hospital
- Radiology department
- Follow-up visits
- Lab work or other tests
- Physical therapy
- Chiropractic care
- In-home medical care
Of course, all of these bills or services will depend on the type of accident you were involved in, the severity of your injuries and the treatment you received. Never withhold medical care because you fear to be able to pay. It is no doubt, the arrival of these medical bills and the dollar amounts charged are overwhelming.
How to Get Your Medical Bills Paid After a Car Accident
Personal Injury Protection (PIP)
First, Personal Injury Protection (PIP) helps to cover many of our client’s medical bills after an auto accident. PIP is required auto insurance coverage and is used first to pay medical expenses after an accident. However, PIP will not pay all of your medical bills. There are limits to what PIP will cover and how much. It is best to check with your insurance coverage to familiarize yourself will what coverage you have and how much it will cover. Typically, PIP will cover $10,000 per person for medical bills resulting from bodily injury or illness that arises from a car accident. The patient must also have had an Emergency Medical Condition (EMC) signed off by a physician, physician assistant, dentist, or registered nurse practitioner. If your injury is not deemed an EMC, only $2,500 per person will be covered. Keep in mind that PIP coverage will be used on a first come first served basis. Meaning the first medical bills to be processed through PIP will be the first ones to be paid. Once PIP is exhausted, another payment source will have to be used and any further bills will be denied payment by PIP coverage.
Please keep in mind these figures are only typical. You will want to check with your insurance provider to determine what they will cover for you in the event you are in a car accident.
Private health insurance or government issued insurance such as Medicaid or Medicare may be used. The staff of Parke Gordon Law Firm will notify your insurance of the fact that these bills are due to a car accident as the result of a negligent party. This is because when the insurance pays a bill related to an auto accident caused by someone else, then when it is discovered that the injuries were due to a third party, they may attempt to subrogate against your personal injury settlement. Your insurance company will pay the bills, but they will expect the money back. In short, your health insurance really just acts as a short-term stopgap that gets the bill paid so your name doesn’t end up in collections. In addition, health insurance often receives huge discounts and or contractual write-offs that will help you.
Out of Pocket
Never allow your medical bills to pile up. Instead, contact the medical provider and make them aware of your situation. These bills can still go to collections and start to hurt your credit score if you don’t do anything to explain the situation to your medical provider. Some companies may even allow you to make small payments to prevent your account from going into collections. It is an unfortunate fact that even if an accident is not your fault, these bills are still your bills and your responsibility.
Hire Parke Gordon Law Firm to Handle Your Case
Hiring an attorney will help you through this difficult and trying process. Parke Gordon Law Firm will make sure your bills are getting paid and that everything is being processed correctly. Our attorneys are aggressive and experienced. We will fight for every penny you are owed and handle difficult insurance agencies. You will still need to be involved in the process, but Parke Gordon can negotiate with insurance companies to settle your case. Call our Spokane law office today for a free consultation regarding your personal injury case at (509) 482-7274.
You Pay Nothing Until We Win Your Case