Media Center
Click below to view videos regarding issues you may face after an accident.
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| Who pays the medical bills? |
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The most obvious source to pay your medical bills is the insurance company for the party that caused your injuries. However, the liability insurance carrier typically will not pay the medical expenses as they are incurred, but will wait until final settlement. At thaat time, it will make a lump sum payment. The same is also true with uninsured motorist coverage. There are at least two sources of money which may be available immediately to pay your medical bills: health insurance and med pay coverage. If you submit your bills to your health insurance, you will have to first meet your deductible, and at the time of settlement, may have to reimburse the health insurance carrier for the medical bills related to the accident. The right of your health insurance for "subrogation", also known as reimbursement, depends on various factors including the language of the policy. The second source is med pay under your own auto insurance policy or the car you were riding in at the time of the accident. Under med pay, insurance will pay reasonable and necessary medical expenses as they are incurred up to the amount of coverage. At the time of settlement, your insurance does not have the right to be reimbursed. The result of applying med pay checks toward your medical bills is that it preserves your good credit rating, and places more money in your pocket. |