Car Accident Injury Claim - Getting Your Medical Bills Paid

Auto Accident Claim Details

You file a car accident injury claim if someone smashed into you and injured you, or if you crashed your car and were injured. Here is the strange part, almost always your own car insurance company will pay your medical providers.

Your company pays first - even if you were not at fault in the accident. Now begins one of the most confusing parts of car accident injury claims. Determining which insurance company will pay has a lot to do with what state you are from and what insurance you signed up for when you started your policy.

Below I outline the most common scenarios you may run into after you file your car accident injury claim so you can start getting the help you need.

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If You Have Personal Injury Protection

Ok, Personal Injury Protection, (PIP), is the name of the coverage which pays for your injuries after a car accident, it is something we sign up for when we start our car insurance policies. In order to figure out if you have Personal Injury Protection, start with a call to your insurance company. They can tell you in this first call if you have medical coverage for your injuries.

Remember, it does not matter here who was at fault in your accident, if the other driver was at fault they, or their insurance, will be required to pay your insurance company back.

  • Opening a car accident injury claim will NOT raise your insurance rates if you were not at fault.
  • Most states have some form of Personal Injury Protection, often called PIP.
  • This insurance is medical coverage you have been paying for as part of your normal premium.
  • PIP pays for your medical bills after an accident, regardless of who is at fault in the accident.

Click on your state to see what type of insurance your state requires all drivers to purchase, and how to get your medical bills paid for.

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If You Do Not Have PIP

Ok, so you didn't sign up for PIP when you bought your insurance, now what? If the accident was someone else's fault, your medical costs will still be their responsibility. There are two different options for your car accident injury claim:

Option One: your medical providers bill your health insurance. Unfortunately, you will be responsible for out of pocket expenses, all deductibles and co-pays come out of your pocket. KEEP TRACK of these expenses, because you will ask for reimbursement from the at fault driver.

Option Two: Your medical providers will send their bills to the at fault drivers insurance. However, the at fault drivers insurance is not obligated to pay your medical providers until the time of settlement. This means that your medical providers will ask you either to have an attorney guarantee their payments, or they will file a lien to make sure they receive payment when you settle.

Option 3: If you do not have health insurance, or your medical provider is not a preferred provider for your health plan, then your medical provider will ask you to have an attorney or they will file a lien.

If The Other Driver Does Not Have Insurance

This is a very frustrating discovery. This section will also apply if you were hit by a hit and run driver. If you have PIP coverage, your medical treatments will go through your insurance. (See above for details).

If you do not have PIP, you may have Underinsured Motorist coverage. Underinsured motorist will cover your medical expenses and other car accident expenses if the other driver is uninsured or you were injured in a hit and run. Simply call your own insurance to find out.

Ok, worst case scenario: you don't have PIP or underinsured coverage and the other driver does not have auto insurance coverage, your last option for getting your medical care paid is through your health insurance.

If you do not have health insurance, your only option is to consider suing the at fault driver personally for your expenses. At this point, please see an attorney to find out if this is an option, as some states prohibit law suits except for certain cases.

Michelle was just in a car accident. 3/28/2013

I will be writing about my experience in real time, read along, or check in now and again. I will be posting about my pain treatments, and you can send questions about your own accident at any time for me to include.

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