After a car accident, figuring out how to handle medical bills is often a tremendous concern. Unfortunately, you will bear the responsibility for paying your medical bills, but only at first. If another party is at fault for your accident, they are responsible for paying your treatment. However, their insurance company is only going to make one payment to you once your claim is resolved, rather than reimbursing you on an ongoing basis for every appointment or procedure.
Potential Sources of Payments for Your Medical Bills
You are responsible for your medical bills after a car accident, but that doesn’t mean the payments have to all come out-of-pocket. There are a few potential sources that may cover your treatment.
Personal Injury Protection (PIP) Coverage
PIP is the most common source of payment for medical bills in Texas. It is a form of auto insurance coverage and will pay for your medical bills up to your policy limits. It will also pay for other things like lost wages and other non medical costs. Auto policies in Texas will automatically come with PIP, unless you inform your insurer in writing that you are opting out.
Personal health insurance coverage is also a common source of payment for medical bills. It can be used on its own, or to cover the remaining expenses after your PIP has reached its limit, but you will still have to pay for any deductibles or copayments. Oftentimes, people make the mistake of not wanting their health insurance provider to cover their bills that arise from a car accident. However, more often than not, you should have all of your medical bills go through your health insurance provider if possible. Doing this can save you a lot of money in the long run. Even though your health insurer is entitled to recoup the payments made on your behalf from your settlement or judgement, your attorney can negotiate how much will come out of your award.
Medical Payment Coverage (Med Pay)
Med Pay is similar to PIP, as it is an optional form of auto insurance coverage, but it only pays for your medical bills after an accident. It does not come with stipulations, meaning it will cover fees from any licensed doctor, ambulance, hospital, etc. The one restriction is your policy limit. Policies often range from $1,000 to upwards of $100,000, but it will depend on the type of coverage you bought. Any costs for treatment beyond your coverage limit will be your personal responsibility.
When to Expect Payment for Your Medical Bills
Resolving your case with the at-fault party can be a long process, especially when it comes to obtaining payment for medical bills related to your injury. How quickly you recover payment will depend on the severity of your injuries and your requirement for ongoing care, as well as whether you settle outside of court or take the case to trial. Settling fast, however, might mean you will receive an amount of compensation that is 60 to 70 percent less than what you might be offered if your case makes it to trial.
Speak to a Highly Qualified Houston Car Accident Attorney
It can be incredibly frustrating to have to deal with medical bills after being hurt in a car accident that someone else is responsible for. To discuss your options and for help with your claim, call (713) 489-4270 or contact Milano Legal Group online. We offer free consultations, schedule one today.