Chalaki Law

Who Will Pay For My Medical Bills After A Car Accident?

Who Will Pay For My Car Accident Medical Bills?

That answer depends on who or what caused the accident, if you were partially at fault, and if the other driver is insured.

If you get hurt in an a car accident, you may wonder who is going to pay for your medical bills & treatment. An car accident injury settlement or a verdict at trial is great, but that doesn’t help you pay your medical bills now. This article will discuss how your car accident medical bills get paid on an ongoing basis. The simple answer is that it depends on the type of accident that you have, the state that you live in, and the type of insurance that is involved. Read on for the details.

Are My Medical Bills Paid in an Injury Settlement?

General Rule – The Defendant Does Not Have to Pay Your Medical Bills on an Ongoing Basis

The most important thing to know is that, if you get into an accident, you are generally responsible for the payment of your medical bills as you incur them. The only exception is car accidents in “no fault” states, discussed below. Even if the person who injured you is clearly at fault, the law does not require him or her to pay your medical bills on an ongoing basis. The only thing the law requires is that, if the other person is at fault, he or she must pay you damages to resolve your lawsuit — and in many cases, your medical bills are a part of those damages. But the defendant does not have to pay your medical bills as they come in.

Car Accidents – “No Fault” States

In a motor vehicle accident case, coverage of your medical bills depends on whether the accident happened in a “no fault” state or not. No fault insurance means that your automobile insurer will pay some or all of your medical bills if you get into a car accident, regardless of who was at fault for the accident. In some “no fault” states, there is a limit to what your own automobile insurance company will pay. The limit differs from state to state, but is generally $10,000 or less.

After your medical bills exceed the state’s “no fault” limit, you are responsible for paying them. If you have health insurance, your health insurer will pay your medical bills. If you are on Medicare or a state run health insurance program through Medicaid, those entities will pay the bills. If you do not have health insurance, Medicare, or Medicaid, then you are responsible for working out payment arrangements with your health care providers.

Motor Vehicle Accidents – Non “No Fault” States

If you get into a car accident in a state that does not have no fault insurance, you will generally be responsible for paying your medical bills. However, some drivers in these states have medical payment insurance coverage (known as “med pay” coverage). “Med pay” coverage will pay the medical bills of drivers or passengers involved in a car accident with the insured, up to the insured’s “med pay” policy limits, which are generally less than $10,000. After your bills exceed the “med pay” policy limits, you will be responsible for paying them. “Med pay” coverage is not always required, so, if neither you, nor the person at fault, have “med pay” coverage, you are responsible for paying the bills.

Premises Liability (Slip or Trip and Fall Accidents)

In a premises liability or slip and fall case, the injured person will generally be responsible for payment of his or her medical bills, unless the premises owner’s property insurance policy has “med pay” coverage. If the premises owner has “med pay” insurance coverage, then his or her insurance company will pay the injured person’s medical bills up to the “med pay” policy limits. After that, the injured person is responsible for paying the bills.

Boating Accidents

Boating insurance policies rarely have “med pay” insurance coverage, so, if you get hurt in a boating accident, you will most likely be responsible for paying your medical bills.

If you get hurt in a work-related accident, your workers’ compensation insurer will pay all of your medical bills. In a work-related accident, you are not required to pay any money toward your medical bills. You do not have to pay any medical bills or deductibles. Further, many states require the workers’ compensation insurer to reimburse you for transportation expenses (mileage, tolls, and parking) for all of your travel to and from your medical appointments.

The Insurer That Pays Your Medical Bills Is Entitled To Reimbursement

If a health insurer, Medicare, or the state agency administering Medicaid benefits pays your medical bills related to your accident, they are entitled to be reimbursed for what they paid your health care providers.

Worst-Case Scenario

If you’re injured in an accident, insurance coverage is not available, and it turns out that you don’t have a personal injury case — because it was your own fault, there is insufficient evidence, or another reason — then you’ll be on the hook for all your medical expenses. In this case, you have limited options, and you’ll probably have to cover the costs of medical treatment yourself. If you can’t afford the bills, you’ll need to turn to family and friends, or consider getting the debt discharged through bankruptcy.


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4.9
Based on 74 reviews
Tammy Garcia
00:07 28 Jan 21
Sean Chalaki and his team are an awesome group of people!!! They exceeded my expectations and were extremely... professional and responsive through my whole experience. I definitely recommend them!!!!read more
adewole majaro
22:15 02 Jan 21
Chalaki law has brilliant lawyers that guarantee you the best representation you can ever imagine. My experience with... them was really impressive, from property claims to injury settlement, everything was satisfactory. I will recommend them any day any time. I must not forget to talk about their friendly receptionists and prompt response for updates.read more
N P
22:59 21 Sep 20
Chalaki Law handled my mom’s injury from an accident case brilliantly. They handled our calls professionally, and were... very prompt to answer any concerns we had. Robert was very helpful at every call, and Mr. Sean Chalaki did a great job closing the case. I highly admire their integrity and how they dealt with my mom with empathy rather than just another client.read more
Alex Moazeni
01:53 13 Sep 20
Well,called them twice a couple weeks ago to consult and discuss a case. He was not available, so I did ask the... secretary to have him call me back. Never heard from them.read more
Leysha Cherish
03:01 03 Sep 20
They were amazing throughout my experience. Very helpful and made sure I was kept up to date and happy the entire... process.read more
Roberto Ortiz
20:18 27 Aug 20
Very Professional and excellent service.Always provide the correct information and clear understand on your needs. Thx... to Mr. Robert Alvarez great attitude and always responsible with his work.read more
Rolando Morales
20:44 20 Aug 20
I wanted to say thank you to Chalaki Law for doing a great job on my case. All of the employees are very kind and ready... to help you with anything. I recommend anyone who has gotten into a car accident to call Chalaki Law because they defend your rights, thanks to them I won my case.read more
Chris Fink
16:51 23 Jul 20
Can’t tell you enough abut this firm. When ever I need to talk with my attorney he was always available, if not he... called me that same day. The staff very professional and always ready to help you with any questions you may have. I would highly recommend them, they will take care of you, and it will be the best decision you will ever make. Hands down the best negotiating I have ever seen.. Again thank you Mr. Alvarez, and Mr. Chalaki and staff for all your hard work and commitment you gave me on my case..read more
Shawn Ghadami
17:55 08 Jul 20
EXCELLENT REPRESENTATIONYour firm exceeded all of my expectations and your staff’s efforts to keep me informed of all... developments was something I’d never experienced before dealing with attorneys in other fields.I wanted to write a big thank you for all the hard work that the Chalaki Law firm put into my case. I felt that Sean Chalaki and the entire staff was very professional in the handling of my case and especially with the decision of the court. I greatly appreciate everything you guys did for me and i am happy that I was represented by your firm. You and your staff are amazing, and I will be forever grateful! Thank you so much. I will definitely be a source of referrals for your firm, great experience.read more
Dayla Oviedo
04:47 16 Apr 20
Everyone at Chalaki Law was great! Robert Alvarez was my main lawyer and did an amazing job on my case. My process was... long and a bit overwhelming at times but both Robert and Sean were super supportive and explained the entire process in details and always asked if I had questions. The entire staff made sure I was comfortable at every meeting. My case was settled greater than I had expected and they will forever be recommended! Thanks for all the hard work and I'm super happy its all over.read more
Rob Keating
22:42 13 Apr 20
Robert Alvarez and Sean Chalaki are great lawyers. My case was a fairly small one, but they treated me like a VIP... through the whole process. From my initial phone call through the successful resolution of my case, they always kept me informed about what was going on and answered all my questions. I suppose the highest praise that I can give them is that if I could go back and do it all over again, I would hire them again.read more
Kovan Saleem
23:30 13 Feb 20
I can’t thank everyone at Chalaki Law enough for everything they did for me. From making sure I was alright at the... beginning of the case to meeting every expectation and answering every question I had throughout. On top of the excellent service I received I was pleasantly surprised to reach a settlement that was higher than I originally had thought. I’d highly recommend Chalaki Law and the amazing staff over and over again to each and every person seeking help with their cases. I hope I won’t be needing their services again, but if I do Chalaki Law will be the only firm I use. Thank you to Mr. Alvarez and Mr. Chalaki for making everything so seamless and for the service everyone was able to give!read more
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