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Now Here Comes The Medical Bills – Who’s Going To Pay?

Posted on Apr 28, 2016 by in Insurance | 0 comments

Getting into a car accident can be debilitating. According to a recent study by the National Highway Traffic Safety Administration, there are more than 10 million car accidents in the US alone. The accident can range from simple to fatal. If not death, the defendant can find themselves in a hospital bed due to injuries. In times like these, one question that comes to mind is “Who is going to pay for the medical expenses?” This article will provide some answers to this nagging question.

According to the website of Habush Habush & Rottier S.C.®, the medical costs associated with car accidents may vary depending on the extent of the injury. The costs may also include ambulance, x-rays, CT scans, room and accomodation, and others. The cost may quickly pile up that it may become burdensome for the defendant to shoulder on his own.

In general, the defendant will not have to cover for their medical expenses. The only exception is when they are in a “no-fault” state. In these locations, it is the insurance providers who will pay for the bill regardless of who was “at-fault.” In some states, there is a ceiling on how much the insurer will pay. This will vary from one state to another although it is generally $10,000 or less.

On the other hand, if the accident takes place in a state where the “no-fault” rule is not applicable, the defendant will be liable for paying the medical expenses out of his own pocket. An exception is when the owner’s property insurance policy includes a “med pay” coverage. With this provision, it will be the defendants insurance provider that will pay for the medical bills, based ont the limit of the “med pay” policy.

A worst case scenario could also see the defendant forced to shoulder the whole medical expenses because they have no personal injury case and it was their own fault.

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