Car accidents leave everyone involved feeling overwhelmed and unprepared to deal with the aftermath. One of the most common concerns for everyone is who pays for the medical bills in a car accident.
It’s important to understand who’s responsible for paying your medical bills when you are injured in a car accident. This way, you can make sure you get the care you need.
In Maryland, there are several different ways that your medical bills may be covered depending on the specifics of your situation. Let’s take a look at how medical bills are handled after a car accident.
Fault Determinations and Personal Injury Protection (PIP) Coverage
In most cases, fault is determined before medical bills are covered. Each driver involved in the accident must prove that they were not at fault for causing the car wreck. If both drivers are found to be partially at fault, then each could be responsible for expenses.
However, if only one driver is found to be at fault for causing the crash, then that driver’s auto insurance policy should cover any associated medical costs for both drivers.
It’s important to note that most auto insurance policies include Personal Injury Protection (PIP) coverage. This pays out regardless of who is deemed at fault in an accident. This type of coverage typically covers up to 80 percent of expenses related to medical treatment or rehabilitation directly resulting from an auto accident. This coverage applies regardless of whether you have health insurance or not.
However, it does not apply in all states. It’s important to check your state’s laws regarding PIP coverage before assuming this type of coverage applies in your case.
Uninsured Drivers and Health Insurance Policies
Were you hit by an uninsured or underinsured driver? Then it may be necessary for you to file a claim against your auto insurance policy. Another option is to file a personal injury lawsuit to recover compensation for any damages incurred as a result of the crash.
Additionally, if you have health insurance, it may also cover some or all of your medical costs related to the crash. This depends on what type of plan you have and what exclusions are listed on your policy. If this is the case, it’s important that you provide all relevant information about your injuries and treatments. You’ll do this during the claims process so that all costs incurred are accurately calculated and accounted for during settlement negotiations or litigation proceedings.
Were you involved in a car wreck where someone else was at fault? Understanding who pays medical bills ensures that all associated costs receive proper reimbursement through either their insurance provider or yours depending on who was responsible for causing the crash.
In Maryland, several different scenarios affect who pays these expenses. However, no matter what, it’s always best to consult with an experienced attorney. They can help guide you through every step of filing claims or pursuing legal action against the responsible party. You’ll know that all associated costs will receive proper consideration during settlement negotiations or litigation proceedings.
For more information or to schedule a consultation to discuss your situation, contact Shugarman & Mehring at 410.783.4200 or toll-free at 888.342.7200.