When you’re injured in a car crash, medical treatment can be expensive. One of the leading causes of bankruptcy in the United States is medical debt. You shouldn’t have to worry about struggling to afford the treatment you need. The problem is that between an ambulance, emergency room and other treatment following a crash, your bills can be in the thousands, or tens of thousands, of dollars.
Before we talk about who will pay your bills, however, it’s important to talk about who is not going to pay your bills. Most people assume that the driver who caused the crash is going to pay for their medical bills. They talk with the at-fault driver’s insurance and that insurance company tells them that they will cover the bills, but at the end of the day, this could not be further from the truth. Even if the other driver is clearly at fault, the law does not require him or her to pay your medical bills as they come in. When you win your personal injury case, the other driver will have to pay your damages, including your medical bills, but in the meantime, you need to pay the bills yourself.
There are several ways to make sure that your bills are paid and you are protected when you’re in a car crash. A lawyer can guide you through this process and make sure that you are protected. The three primary ways your medical bills can be paid are through private health insurance, medical payments insurance (also called “MedPay”), or through health care provider liens. Each of these types of payments has advantages or drawbacks.