Paying Your Medical Bills After a Car Crash
- Home / Auto Accidents /
- Paying Your Medical Bills After a Car Crash
October 9, 2019
You will not be able to get insurance compensation until your car insurance claim is concluded. So, you must figure out how to pay those hefty medical bills while you are waiting for your lawyer to obtain the settlement you need and deserve.
The dedicated Phoenix car accident lawyers at the Phillips Law Group understand how daunting this process can be when you are facing exorbitant medical bills and other unexpected expenses after a collision. We can describe some options that may be available to you and can discuss how we can help during a complimentary case consultation.
If you have health insurance available from an employer or your own private plan, you can submit your medical bills to your insurance provider for payment. The health provider will then submit the bill to your health insurance provider while requiring you to pay any necessary copays.
You may also be required to meet a deductible before you are able to get the insurance carrier to cover expenses. For example, you might be responsible for the first $5,000 and then the insurance carrier covers the excess (depending on your insurance contract). The payments the insurance carrier provides on your behalf and the services it pays for depend on the terms of your insurance policy or health plan.
Private health insurers will usually have subrogation rights that allow them to claim reimbursement against a settlement or judgment you are awarded from the defendant or his or her auto insurance carrier. This means that the insurance may initially cover the bill, but if you do successfully recover money from the defendant, you may be required to repay the provider. The medical provider can demand repayment for all or part of what you paid on its behalf.
Public Health Plans
Your Medicaid or Medicare coverage may also be available to initially pay your medical bills stemming from an accident. Like with private health insurance, the public health plan may have a subrogation process in place so that any funds it pays on your behalf are repaid from any settlement or award you receive.
Medical Payment Coverage
Many insured drivers have medical payments coverage, or med-pay. This coverage provides for payment of medical expenses up to your policy limit. This coverage is available regardless of who was at fault for the accident. These provisions also typically contain subrogation rights.
Agreeing to a Lien
Some medical providers will agree to provide services in exchange for an agreement that they will be paid out of the proceeds from any later personal injury settlement. In this way, you can avoid being charged any upfront fees, which is particularly helpful if you do not have other forms of medical insurance to pay the expenses.
However, you should discuss the possibility of entering into a lien agreement and any negative repercussions before you agree to a lien arrangement.
The Other Driver’s Coverage
Arizona is an “at-fault” insurance state, meaning that the party at fault for the accident is responsible for paying the damages that they cause. Fault is typically determined by seeing which driver violated traffic laws or acted in a careless manner. As such, if the other driver was at fault for the accident, you have the right to file a claim against that driver’s insurance policy.
However, it is not uncommon for the insurance company to deny fault or to claim that you were partially at fault for the accident. Arizona uses a comparative fault approach in cases in which both parties were at fault for the accident.
Under this system, fault is apportioned between the parties. If you were partially at fault for the accident, your award will be reduced proportionately to your percentage of fault. Additionally, the insurance carrier may try to challenge the “reasonable value” of the medical services you received in an attempt to deny or minimize the value of your claim.
Contact a Trusted Lawyer for Immediate Help
After an accident, the sooner you get started on your claim, the sooner you can potentially collect a settlement and erase those huge medical bills.
The dedicated Phoenix personal injury lawyers at the Phillips Law Group can handle all legal aspects of your claim so that you can focus on recovering for an injury caused by another party’s negligence. We can handle all communication and negotiations with the insurance providers involved in your case.
Contact us as soon as you can to schedule a free case evaluation. Call 1-800-706-3000 .
Free Case Evaluation
Your message has been sent
Thank you for your message, we will get back to you soon.
Jasmine , did a great job . Highly recommend!!!!!
Kathy Hudson and Donato Giovanatto. Continues to go above and beyond the call of duty. Reaching out to the insurance company about the damage to the vehicle. Forcing them to take responsibility.
Phillips Law Group does so much for the community!!! I especially enjoy seeing Juan Roque out there. This gentle giant always has a smile on his face and is a part of a caring and giving team.
Phillips law group is a great firm! Caroline is great.
Phillips Law Group provides a collaborative environment in which both attorneys and staff work together to achieve the best outcome for clients. As an attorney here at PLG, I’m lucky to be surrounded by seasoned attorneys and knowledgeable staff that share my enthusiasm for helping accident victims. The team here at PLG treats clients with respect and empathy while fighting hard to get the results they deserve.
I would like to thank Vanessa Rodriguez for helping me with my case because I was in total shock about the accident. She had listened to all my concerns and had answered every question I had . She was great !!!
If you are in need of legal support for a motor vehicle collision of any kind, I highly recommend going to Phillips Law Group Injury Lawyers. Sean Davis has exemplary knowledge and experience in this field, compassion for his clients, and excellent judgment and communication skills.
The lawyers here are of top quality. Especially Trey Dayes, who was always respectful and hard-working.
Many companies talk about teamwork but few practice it. Many companies talk about an employee friendly environment but few actually provide it. At Phillips Law Group the foundation of our success is making sure we work as a team and that we work in an environment that allows everyone to thrive and be at their best every day. Our firm understands that in order for the client to have a great experience the people responsible for that client’s case must be given all the necessary tools and encouragement to make that happen. That’s the Phillips Way. As a manager of this firm in charge of several employees as well as directly affecting the client’s experience I take tremendous pride in saying we live by these premises and we work hard to build on them and make them better every day. This is an amazing place because it has amazing people working here!