Your number one concern is to pay your medical bills now. You were hurt in an accident that wasn’t your fault. You have medical bills that you have to pay quickly. You will get a settlement from the defendant, but that will take a while. Meanwhile you have bills that you need to pay pronto.
Defendant is not required to keep on paying your medical bills
It’s usually your responsibility to make sure that you can pay your medical bills immediately, settlement or no settlement. There are some exceptions though:
● Your car accident occurred in a ‘no fault’ state
● Accidents that trigger medical compensation insurance
● Workers’ compensation claims.
You can generally defer payment for your medical bills until your settlement comes in.
Health Insurance, Primary and Secondary Coverage
Your personal injury lawyer in Richmond Hill knows that you can generally use primary and PIP insurance to pay your bills until the lismit is exhausted. Then secondary insurance will kick in.You can count on your own insurance company to pay for some of your medical bills if you live in a ‘no fault’ state. Medicare or Medicaid will pay your bills if you have it. You will have to make your own arrangements if you have a private health insurance company though.
The good news is that you can sue the at-fault driver for any bills that your insurance won’t pay. Keep in mind, though, that it may take a while before you see the money.
You tend to be more on your own if you live in a fault state. There is a silver lining though. You can have insurance pay up to $10,000 of your medical bills if you have med pay insurance. The same applies if you have a PIP rider on your car insurance policy. Then, you can have your property damage taken care of quickly.
What if You Get Hurt on Someone Else’s Property?
If you suffer from a slip and fall accident on another person’s property, you’re generally on your own for paying for your medical bills. There is an exception though and it’s when the property owner carries a liability policy that includes medical payments coverage.
You do Have Options if You Were Hurt on the Job
No one likes to think about it, but you can get hurt while on the job. Your employer will have worker’s compensation insurance. It’s the law. You can use worker’s comp payments to cover your medical bills.
Reimburse the Insurer
It tends to apply if you receive money from your insurance company or the defendant’s insurance company to pay your medical bills. Then you get a settlement from the defendant, in that instance, you will have to reimburse the insurance company the money it paid you to pay your medical bills.