If you are in an accident, and you are injured, be sure to know the various sources for getting your medical bills paid. These include: health insurance, workers’ compensation (if the accident happened while you were on the job), medical payments coverage and lastly, liability coverage.
Regardless of who is at fault for the accident, it is important to check to see if there is medical payments coverage. If it was an automobile accident, check to see if you have medical payments coverage under your automobile insurance policy. Medical payments coverage exists to cover any of your medical bills for any medical treatment arising out of the accident. And, you are entitled to collect it even if you have health insurance.
If you were not at fault in the accident, the other source for getting your medical bills paid is the liability insurance policy of the person or company who is at fault and responsible for the accident. However, since it can take some time to collect against that person’s policy, it is important to look to all the other sources first. If that person did not have insurance, a final resort, if it is an automobile case, is to see if you have uninsured motorist’s coverage under your own policy. Depending on the case, sometimes homeowner’s and umbrella policies also may be implicated. Because insurance policies sometimes can be difficult to understand, and because the sources of recovery and how they interact can be confusing, it is important to consult with a qualified personal injury attorney to maximize your recovery if you are in an accident to ensure all of your medical treatment is covered.
This article provides general information only. For more details please be sure to contact an attorney.