Assuming someone else is at fault for your accident and injuries, the at-fault party’s insurance company will be responsible for paying all accident-related medical bills. However, the insurance company will not generally pay these bills as they are incurred. Rather, the insurance company will usually pay for these when the entire case is either settled or concluded by trial in court. Until that time, the accident victim can rely upon his or her healthcare insurance, Medicare, Medicaid or any other form of available federal- or state-funded medical care coverage.
Additionally, if your claim involves an automobile accident, you should check your own automobile insurance policy coverage declarations to determine whether you have medical payments coverage under your policy. If you do, it will typically be for a limited amount; usually between $1,000 and $10,000.
If your medical bills are paid by your own health insurance coverage, Medicare, Medicaid, any other form of medical care coverage or your own automobile insurer’s medical payments coverage, you will almost always be required to reimburse them to some degree in the event that you recover from the at-fault party’s liability insurance company. Thus, in determining what may be a fair settlement from the at-fault party’s insurance company, you must determine exactly how much you will be required to repay those insurers who paid your accident-related medical bills.
In the event that you do not have any healthcare insurance, are not eligible for Medicare, Medicaid or any other form of available federal- or state-funded medical care coverage, and do not have automobile insurance medical payments coverage (or your accident is not automobile-related), we will often pay for our clients’ necessary accident-related medical care. When we do, we are reimbursed out of any recovery we obtain for you through settlement or trial. This reimbursement comes from the claimant’s settlement or judgment proceeds after the deduction of attorney’s fees.