Going through a personal injury accident can be stressful and difficult. After you are hurt, you might be wondering who will pay your medical bills. You might also wonder what you will need to do if you don’t have health insurance. All of these questions are common for those who have gotten hurt, especially due to the negligence of someone else. To help you figure out what steps you should take, consulting a personal injury lawyer will be in your best interest. Below will be discussed some of the different options you will have in getting the cost of your medical bills paid for when you don’t have health insurance.
Defendant Typically Not Responsible For Bills
One of the more important things to realize after getting injured is that you are usually responsible for any payments to medical bills as they are incurred. The only exception to this rule would be a car accident in a “no fault” state. Even when the person that injured you is obviously at fault, the law will not make them pay your medical bills as they come in. The only thing that the laws will require of them is that they pay you damages to resolve the lawsuit. In most cases, your medical bills are part of those damages. The defendant is simply not required to pay your bills as they come.
No Fault Accidents
Like stated earlier, medical bill coverage after an auto accident will greatly be dependent on whether it happened in a “no fault” or non “no fault” state. No fault insurances mean that the car insurance will pay some or all of your medical bills if you get injured in an accident. This happens no matter who is at fault for the accident. However, each insurance company has limits to the amount they will pay for your medical bills. If your bills exceed the insurance limits, you will be required to pay the rest of the bills yourself. The rest of the bills will need to be paid by your private health insurance or your state run health insurance. If you do not have health insurance of any kind, you will be responsible to set up payment arrangements with the hospitals to pay your bills.
Non No Fault Accidents
If you live in a non no fault state and get into an accident, you will typically be responsible for paying all of your medical bills yourself. However, many drivers in these types of states will have med pay coverage. This coverage is used to pay medical bills of drivers and passengers from the insurance of the person insured. Just like with your health insurance, med pay has limits to the amount they will pay as well and you will be responsible to make up the difference.
Slip And Fall Accidents
If you slip and fall on someone’s property and need medical assistance, you will generally have to be in charge of paying your own bills with your health insurance. However, if the owner of the property has med pay, they can use that insurance coverage to pay the injured person’s medical bills. Whatever the med pay doesn’t cover, the injured party will be responsible to make up the difference.
Work Related Injuries
When injuries happen at work, worker’s compensation will typically pay all of your medical bills. All employers are required to carry this type of insurance for when employees get hurt and need medical attention. For a work-related injury, you will not be required to pay any money towards your medical bills, including deductibles. In some states, the insurer of the worker’s compensation may also be required to cover any cost of transportation for all your travel to and from any medical appointments.
What To Do When You Don’t Have Insurance
If you are injured in an accident due to someone else’s fault or negligence and there is no insurance to cover you, you may need to consult a personal injury law firm to see if you have enough evidence for a personal injury case. A lawyer can sit down with you and review everything to see if you have enough information to warrant a successful outcome for a personal injury case. The lawyer will be able to discuss with you what you may be entitled to you for your specific injuries and case.
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