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Using your health insurance to cover car accident injuries

Many accident victims assume that if the other driver was at fault for a motor vehicle collision that driver will be held responsible for paying their medical bills. However, it’s not often that straightforward. In many cases, the accident victim must initially rely on their own insurance coverage to pay for the cost of immediate medical treatment. To recover maximum compensation for your accident-related damages, including medical bills, you must hire an experienced car accident lawyer. An attorney can build a strong case that proves the other driver was negligent and that their negligence resulted in the accident and your subsequent damages.

Who is Responsible for An Accident Victim’s Medical Costs After a Car Crash?

Most accident victims mistakenly believe that their medical costs are paid by the at fault party’s insurance company after a car crash. Typically, a person who is injured in an auto accident will pay to receive the medical care they need to recover. If the other driver is found liable for the collision, the accident victim can file a claim for damages so they can receive compensation for their losses.

If the accident victim has health insurance, their insurance provider will cover some of the cost of their treatment. The accident victim may still be responsible for their copays or deductibles. If they don’t have health insurance, they may have to pay out of pocket to receive medical treatment. Either way, they will be responsible for their medical bills unless another arrangement, such as a medical lien, has been established.

What If the Other Driver Is At-Fault?

Even if it’s clear that the other motorist was responsible for the motor vehicle collision, that doesn’t mean the accident victim will immediately receive compensation after the accident. In most cases, the injured party must receive medical treatment before they receive their settlement from the other driver’s insurance provider. They will either have to pay out of pocket or use their own health insurance to cover the cost.

What Types Of Medical Costs Can Arise After An Automobile Accident?

Medical care costs can vary, depending on the types of injuries the accident victim sustained and whether they will require ongoing medical care.

After a collision, medical bills can consist of the following types of treatment:

  • Hospitalization
  • Surgery
  • Medication
  • Doctor’s visits
  • Physical therapy
  • Occupational therapy
  • Medical devices

If you were injured in an auto accident, you must pursue compensation from the at fault party as soon as possible. A car accident lawyer can help you recover the compensation you deserve that will cover the cost of past and future medical treatment. They can even help arrange a medical lien, which will allow you to receive vital medical treatment while your attorney continues to negotiate with the insurance company. With this type of arrangement, once you’ve received your settlement, a portion of your compensation will be subtracted to pay for your medical care.

Contact Us Today

If you were injured in an auto accident that was caused by a negligent driver, contact Child & Jackson Personal Injury Lawyers today to schedule a free legal consultation. Our legal team has decades of experience fighting insurance companies for the compensation our clients deserve and can provide the dedicated and knowledgeable legal guidance and advice you need during this difficult time. Contact us today to schedule your free legal consultation.

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Author

Erik Child

Erik E. Child is a graduate of Brigham Young University and obtained his Juris Doctorate from the McGeorge School of Law in 1998. Working as a practicing trial attorney, Mr. Child has earned a reputation for having successfully tried many cases over the years, beginning in 1999. With extensive litigation experience, Mr. Child has practiced law in California, Utah, Washington, and Nevada, in both federal and state appellate courts. Happily married, Mr. Child is the father of nine children and enjoys spending time with his family, traveling, and scuba diving.

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