Should My Health Insurance Pay My Medical Bills After a Car Wreck?

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There are different types of car accidents and they usually have many different complicated legal layers that occur for weeks or even months after the accident is over. If you suffered any kind of injuries in a car accident, you may need hospitalization, medical treatments, surgeries, prescriptions, or physical therapy.

During this time, negotiations will occur with the insurance company of the negligent party to determine how much compensation they will provide for your injuries and losses. However, while these decisions are being made, you will need to receive medical care. You may wonder whether or not your health insurance will pay your medical bills following a car wreck before you receive compensation from an insurance company.

The Quick Answer 

The quick answer is that your health insurance will likely pay your medical bills following a car accident.

The More Detailed Answer

If the injuries you suffered in a car accident were the direct result of someone else’s negligence, the other driver is responsible for all of your injuries and losses resulting from the accident. The negligent driver will likely have car insurance coverage that will cover these expenses related to the accident.

Typically what happens is that the victim’s health insurance will pay for the medical bills associated with the car accident, and then went to final settlement offer is reached between the victim and the insurance company, the insurance company will then pay your health insurance company reimbursements regarding the payment they made for your medical expenses.

Medical Payment Coordination 

Every person’s car insurance policy is different, and yours may offer payment coverage related to medical expenses following a car accident. In other cases, medical providers will simply wait to bill their patients until a settlement is reached with the insurance company.

Finally, in other cases, a medical provider will bill the victim’s health insurance directly, and then the victim’s health insurance will receive a reimbursement from the negligent party’s car insurance at a later time. Therefore, it is important to remember that when you negotiate a settlement with an insurance company, some of this settlement amount may go to pay your personal health insurance for any medical expenses that they cover regarding your accident. Visiting with an experienced personal injury attorney can help ensure that medical payment coordination operates seamlessly.

Contact an Experienced Attorney 

If you suffered injuries in a car accident and remain Unsure how your medical bills will be paid, contact an experienced car accident attorney at Groth Law at (414) 768-2727 for a free consultation today. 

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