Being involved in a car accident, especially a serious car accident, likely means injuries that require medical care. Sometimes, emergency medical care will be necessary; other times, a victim will see their doctor after a car accident and may require invasive or ongoing treatments to remedy their condition. In either case, there is no doubt that medical bills can be expensive, and may leave a victim wondering how they will possibly pay such bills. A car accident lawyer in Los Angeles can help you to understand your options for paying medical bills after a car accident injury. Call our law firm today for your free consultation.
Insurance Options to Pay for Medical Bills after a Car Accident
If you are involved in a car accident and receive medical treatment, chances are that a few weeks after you receive treatment, you will get a bill in the mail asking for a payment. In some cases, the bills may amount to tens of thousands of dollars, especially if injuries are serious. Receiving bills that demand payment can be overwhelming. Fortunately, there are a probably a few different insurance options available that can help you to pay for your medical bills. These might include:
- Liability insurance of the at-fault driver. If another driver caused your car accident and injuries, you maintain the right to file a claim against that driver’s liability insurance (which is required in an amount of no less than $15,000 per person in California).
- Medical Payments (MedPay) coverage. MedPay coverage is optional in the state of California, but if you carry it, this coverage type helps to pay for the medical expenses of you and your passengers.
- Uninsured/underinsured coverage. Consider a situation in which another driver is to blame for your accident, but that driver doesn’t have insurance or doesn’t have enough insurance, to pay your medical bills. In this case, if you have uninsured/underinsured motorist coverage, this coverage type will kick in to make up the difference.
- Health insurance. Finally, even if there aren’t many auto insurance coverage options available to help pay for your medical expenses, if you carry health insurance, then your health insurance will likely cover your medical expenses, post-deductible, up to your policy limits.
What to Do If You Cannot Pay NOW
While there may be various insurance policies available, recovering a settlement from an at-fault driver can take weeks, if not months. If payment for your medical expenses is being demanded now, you need to talk to an attorney. Your attorney can handle dealing with medical debt collectors on your behalf, calling your doctors and healthcare providers and explaining to them the situation. In many cases, an attorney may be able to make financial arrangements on your behalf, resulting in deadlines for bills being extended. In some cases, certain medical debts may even be forgiven.
Call El Dabe Ritter Trial Lawyers Today
For your free consultation with El Dabe Ritter Trial Lawyers regarding your medical expenses and how to pay them after a car accident in Los Angeles, call our law firm directly or send us a message telling us more about your case. We are here to work for you.