If you’ve been injured in a car crash, you may instinctively seek medical attention immediately. But once you’ve received medical care, medical bills come. And, you may face the prospect of having to pay for follow-up visits, tests, medicines, and more if your injuries are serious. The pile of medical bills may be getting bigger and bigger. You may start to wonder: how do the bills get paid?
Clients sometimes believe that that their attorney will pay their medical bills until their case concludes. That belief is not a correct one. Your lawyer will keep track of all your medical bills as the case proceeds so that they can claim a proper amount of damages, but he or she won’t actually pay the bills. You are responsible for your medical expenses.
When it comes to paying your medical bills, the first place you should look should be Personal Injury Protection insurance (PIP).
PIP insurance may cover reasonable medical expenses. (PIP also may cover up to 85 percent of your lost wages and the cost of household services).
In Maryland, PIP may cover all or part of your medical bills. However, it is possible that PIP may not cover all of your medical bills. After all, there are limits to what and how much PIP will cover. For those who have PIP coverage, the minimum amount of coverage is $2,500. The maximum amount of coverage is $10,000. So, to the extent your medical bills exceed $10,000, PIP will not cover them. Further, if you waived PIP coverage, PIP will not cover any of your medical bills.
So, what do you do if and when your medical bills outstretch the limits of your PIP coverage? You should look to your health insurance to start covering additional bills (depending on the insurance contract).
If you have no health insurance and PIP is exhausted, your attorney will usually be able to help you find funding to pay medical bills.
It is worth noting that, if the other driver was clearly negligent, their insurance company will likely be responsible for paying your medical costs. The insurance company may even offer you money early in the process, before you fully recover. It is rarely wise to accept this offer.
Insurance can be confusing. A typical car accident will most likely involve four or more types of insurance from multiple different companies. Hiring an attorney can be useful in helping you to wisely use the insurance at your disposal. If you’ve been in an auto accident caused by someone else’s negligence, call my office today at 1-888-542-4743.