Your lawyer will tell you that it’s important for you to understand who will pay your medical bills after your accident. You alone are responsible for paying your medical bills as they occur. The defendant’s job is done once you receive the settlement money either from him or her or from their insurance company. You generally can’t ask the defendant for more money after this occurs even if you really need it.
Car accidents in no-fault states
Personal injury lawyers in Elmhurst know that a no-fault state requires you to pay for the medical bills that are greater than that particular state’s no-fault limit. So, if the state’s no-fault limit is $80,000 and you have $100,000 in medical bills you are on the hook for $20,000 of the medical bills. Either you, your insurance company, or the state’s insurance company must pay the balance.
You’ll be able to sue the defendant if your medical bills are very high and/or they are very serious. Remember that it can take a while for you to get the settlement money from this process. Meanwhile, your bills are still stacking up.
Car accidents in non-no fault states
Personal injury lawyers know that you’ll be responsible for paying the medical bills if your accident happens in a non-no-fault state. Sometimes though, some drivers do have medical payment coverage. This is formally referred to as med-pay coverage. This will pay for your medical bills. It stops paying once the limits of the defendant’s insurance policy have been exhausted.
This tends to be less than $10,000. You’ll be responsible for paying the remainder of the medical bills. Keep in mind that drivers are not required to have med-pay coverage so the person who was at fault for your car accident may not carry it.
Slip and fall accidents
You’ll have to pay for your medical bills out of your own funds if you were involved in a slip and fall accident on another person’s premises. The exception exists if that person has med-pay coverage in his or her insurance policy. Then the coverage will pay your medical expenses up to the policy limits. Then you’re responsible for paying the rest of the bills.
If you are hurt on the job, your personal injury lawyer will tell you that worker’s compensation insurance applies in this case. This is insurance that your employer carries for people who get hurt while working. This will pay for all of your medical expenses. You may even be reimbursed for any transportation expenses you incurred while receiving medical treatment.
You must subrogate the insurer
If your insurance company gives you money for your medical expenses and you win a settlement from the defendant, you must return the money that your insurance company gave you. This is called subrogation.