Who Pays for Medical Bills After a Car Accident?
If you’ve been in an accident before, you know how scary they are. You probably still can’t believe how fast it happened and how lucky you are to be alive. For most people fortunate enough to survive an accident but unlucky to get injured, there’s often one lingering question “Who pays for the medical bills?”
Recovering from accident-related injuries can take some time, depending on how bad the injuries were. Regardless of the injuries, you need to get medical care to ensure you don’t have severe internal injuries and recover fully.
Medical bills for injuries arising from accidents can run into thousands of dollars depending on the severity of your injuries. This could be especially burdensome if the accident were not your fault. Fortunately, here is the ultimate answer!
Your Own Insurance
Your own health insurance should cover your medical expenses for injuries just like it would if the need for the treatment were the result of any other circumstance.
Your health insurance policy probably covers accidents. Your insurer should cover the medical bill if you get injured in a car accident. They’re obligated to cover your medical expenses and seek reimbursement later.
Insurance Subrogation
Insurance subrogation is the right your insurer holds as per your policy to request reimbursement from the at-fault party after they’ve paid a covered claim.
In case of a motor vehicle accident, your insurer should cover your medical bills, but they have the right to seek reimbursement from the responsible party. If you were the one at fault, the insurer has a right to claim a reimbursement from you. If the accident was the fault of someone else, such as another motorist, your insurance should claim reimbursement from the other person’s insurance company.
The subrogation process is complicated since it involves investigations and can lead to the insurer pursuing legal action against the person at fault.
You Don’t Have to Manage the Aftermath Alone
Having an experienced personal injury attorney on your side can make all the difference after a car accident.