This area of law has become increasingly complex in recent years. As a result, there are many traps that may ultimately impact the amount of money you actually receive for your personal injury case.
While it may seem like the insurance company of the other driver should pay for your medical bills, in most cases, the company will not voluntarily pay these bills. The easiest way to maximize your compensation is submit your medical expenses to your health insurance. If you do not have health insurance, there are some medical providers who treat accident victims on a lien basis and receive payment at the end of the case. Another source of payment for your medical bills is medical payment coverage (Med-Pay) that may be part of the car insurance involved in the accident. At the conclusion of your case, there may be subrogation issues that require you to repay your health insurance for money spent on your treatment.
Many people are hesitant to use their own insurance to pay for medical treatment; however, by using your own health insurance, you will be able to seek continuous care without waiting for authorization from an insurance company that is “investigating the accident” and your personal finances will be protected from unpaid medical bills.
REMEMBER – WHEN YOU SIGN A RELEASE, THE INSURANCE COMPANY WILL NOT BE RESPONSIBLE FOR ADDITIONAL MEDICAL TREATMENT