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Who Pays Medical Bills in a Car Accident?

Who Pays Medical Bills in a Car Accident

Many victims of car accidents require immediate medical attention. Catastrophic injuries may require more extensive medical care, therapy, or rehabilitation. Typically, the individual who receives medical treatment after an accident pays the hospital bills. But what if another driver is responsible for your injuries? 

You should never delay seeking medical treatment after a car accident. Your health should always be your priority. Immediately visit a doctor for a comprehensive evaluation to determine if you are hurt. This guarantees you an accurate diagnosis of any injuries and prevents further harm. 

It also provides documentation of your expenses at the hospital if you need to file a claim against any at-fault party.

If you or your loved one has suffered due to another driver’s carelessness or recklessness, it’s important to speak to a qualified lawyer about your medical bills. Don’t accept an offer from an insurance company without speaking to a lawyer. It’s best not to speak to the other driver’s insurance company at all. An attorney will evaluate the specifics of your case and identify all possible sources of compensation for your medical bills.

At Nix Patterson, our legal team is ready to help you understand your options. We have extensive experience in truck and car accident claims and are prepared to advise you and walk you through your options.

Are You In an At-fault or No-fault State?

All states have certain auto insurance and fault laws. To understand how the payment of medical bills works, you must first identify whether you are in a fault or no-fault state.

In an at-fault state like Texas, the driver who caused the accident is responsible for paying damages. You or your lawyer must first contact their insurance provider for compensation. Texas insurance law requires drivers to carry at least $30,000 for injuries per person, up to $60,000 per accident, and $25,000 for property damage. This coverage is referred to as the 30/60/25 minimum auto policy.

Other states with at-fault insurance laws include:

  • Virginia
  • Delaware
  • Arkansas
  • Maryland
  • Oregon
  • South Dakota

In a no-fault state, you will have to rely on your own insurer’s personal injury protection (PIP) for immediate compensation rather than the other driver’s coverage. However, if you are successful in a lawsuit against the other driver, you may be able to have these expenses reimbursed. Twelve states follow these laws, including:

  • New York
  • Florida
  • New Jersey
  • Kentucky
  • North Dakota

What Medical Bills May Arise After a Car Accident?

The types of medical expenses you may face vary on a case-by-case basis. An individual who sustains minor flesh wounds may not incur the same medical expenses as one who sustains catastrophic injuries, like third-degree burns, that may require lifelong care. 

Here are some of the expenses injured victims face after car wrecks:

  • Hospital bills
  • ER bills
  • Surgery costs
  • Prosthetics
  • Prescription medications
  • Laboratory fees
  • Pain management expenses
  • Physical therapy and rehab expenses
  • Future medical costs, especially related to permanent disability

Our personal injury attorneys can gather receipts and invoices for your medical bills and consult with your doctors to understand the impact and severity of your injuries.

Who Pays Medical Bills in a Car Accident?

Depending on the circumstances surrounding your car accident case, there are various parties that can pay for your hospital bills. Nix Patterson’s legal team will handle much of this process for you by organizing all of your medical bills, speaking with the healthcare providers’ billing departments, and coordinating with the insurance companies. The different insurance policies that might pay your medical expenses include: 

Health Insurance

This is where your insurance provider comes in. If you have health insurance, Medicaid, or Medicare, you should forward your medical bills to them. Once you arrive at the hospital, the administrators will inquire whether you have this coverage and cover all upfront costs. You may only need to pay a deductible.

Through insurance subrogation, the insurer may request a repayment of your medical expenses if another party was at fault for the crash.

Auto Insurance

Depending on your car insurance policy, your insurance company may offer various options to cover your injuries regardless of who was at fault. The negligent driver’s auto insurance coverage may also pay for your medical bills.

If it was a hit-and-run accident, you may receive help from your insurance provider to pay for your medical bills.

Uninsured or Underinsured Motorist Coverage

Wondering ​​how are medical bills paid after a car accident with an uninsured driver? Your Uninsured Motorist Coverage (UM) or Under-Insured Motorist Coverage (UIM) may cover your medical bills after a crash with an uninsured or underinsured driver or after a hit-and-run accident. This is an add-on coverage that can be included in your auto insurance policy to provide beneficial coverage. Nix Patterson’s attorneys will help you determine if you have UM/UIM coverage.

Personal Injury Claim

If another driver is responsible for your injuries, you may file a personal injury claim to recover treatment-related expenses. You may also be able to recover damages like lost wages, property damage, and non-medical expenses like pain and suffering. In certain cases, you might be able to recover more than the policy limits of the other driver’s insurance, but this complicated process should be handled by a lawyer. We can help. 

What If My Insurance Claim Is Denied?

If you file a claim with the other driver’s insurance company, you may receive a denial letter. Even if the other driver was at fault for the crash, insurance companies have in-house teams that will look for anything in the record to deny or reduce your claim.

You should never admit fault, apologize to other involved parties, post on social media about the accident, or give an interview or written statement to the other driver’s insurance company. In fact, you shouldn’t talk to the other driver’s insurance company at all. These actions may hurt your injury claim.

The attorneys at Nix Patterson can look into your case and advise you on the best way forward if the insurer has denied your claim or offered you a lowball settlement that doesn’t cover all your medical expenses. 

Our lawyers are ready to go to court if an out-of-court settlement isn’t feasible.

Contact a Car Accident Lawyer Today

If you or a loved one is struggling to pay medical bills as a result of another driver’s negligence, contact our law firm today. Nix Patterson is experienced in personal injury cases and we will help you understand how medical bills are paid after car accidents. 

Call us today at 512-328-5333 to speak to an experienced lawyer who will review your case and discuss any concerns you have related to medical expenses and insurance coverage. Your case consultation is free. Get started now.


Nix Patterson only works on a contingency fee basis. Our clients pay us nothing unless we win. Schedule a free consultation today. Call 512.328.5333 or complete the form below. 

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