Should my health insurance company pay for my medical bills that are caused by an accident?

health insurance coverageIf you have been involved in a wreck that was not your fault, then the careless driver’s insurance company is responsible to pay for the medical treatment for the injuries you received in the accident.

You might think that it is best to give the hospital or doctor the insurance information of the careless driver that caused the accident. This seems logical, but in reality, it is extremely unlikely that the careless driver’s insurance company will pay anything at all.

So what should you do? First and foremost, you should always put your health first. Get the medical treatment you need.

Many times, a lawyer will have an arrangement with some local health providers where the lawyer guarantees that all of your medical bills will be paid at a later date, usually after the case has settled. This is extremely helpful to individuals who need treatment now and cannot pay for it until the case settles.

If your lawyer cannot guarantee payment, then it is usually best to use the health insurance you would normally use for a sickness or an injury. After the case is settled, your insurance company will get reimbursed for any money paid for treatment that relates to the accident. Sometimes you or your lawyer can negotiate with your insurance company and reduce the payment amount that needs to be reimbursed.

If you do not have any insurance, you may consider getting treatment at a local charity hospital or obtaining financial assistance from a local charity organization.

In sum, after a wreck, do everything you can to get the medical treatment you need; nothing more nothing less. Follow your doctor’s instructions and do everything you can to get better. Appropriate medical care is the most important thing you do for your health and your case.