If you were hurt in a car accident, you may have bills for your hospitalization, surgery, ongoing medical treatment, and other medical expenses. Unfortunately, it could take you months or longer to settle your claim with the negligent driver’s insurance company. While it should ultimately pay for your necessary medical treatments, it can be a big worry to figure out how to handle your medical bills in the meantime.
How to Deal With Your Medical Expenses While Your Claim Against the Negligent Driver Is Being Resolved
One thing that you do NOT want to do is ignore your medical bills and not pay them. Your health care providers are not a party to your car accident claim and do not have to wait until you resolve it to be paid. If you fail to pay them, your account could be referred to a collection agency or you could be sued.
Fortunately, you do have options for handling your medical bills while your claim is being resolved. Here are some ways to get them paid:
- MedPay. MedPay is optional coverage in Virginia that can be purchased as part of your automobile insurance coverage. It will cover your medical bills up to the policy limits no matter who was at fault in causing your collision—including you. You can file a claim with your own insurance company if you purchased this coverage.
- Health insurance. If you have health insurance through your employer or a policy you pay for on your own, you can submit your bills to your health insurance company. However, they may require you to reimburse them for the medical bills that they pay once you settle your claim. This is referred to as subrogation.
- Uninsured/underinsured coverage. Unless you pay a yearly fee, you are required to purchase $25,000 per person and $50,000 per accident in uninsured motorist coverage. If the negligent driver turns out to be uninsured, you can file a claim under this coverage if you have it. Another option would be underinsured motorist coverage that protects you if the other driver has insufficient liability insurance to compensate you fully.
- Payment plan or medical lien. You may be able to work out a payment plan with the hospital and other health care providers to make a monthly payment until you resolve your claim. Another possibility is to see if they will accept a medical lien, which is an agreement by them to be paid when you receive your settlement. However, not all doctors and hospitals will agree to this.
Filing a claim for compensation and determining how to pay your medical bills while your claim is pending is complicated. Our experienced car accident attorneys are here to file your claim, help you work with your medical care providers, and fight for the compensation that you deserve. To learn more about your legal options and the next steps you should take, call our office today to schedule a free consultation.