Options For Paying Medical Bills When Auto Accident Case Is Pending

If you have been injured in a car crash, you will need a means to pay your medical bills while your claim is pending because auto accident claims take some time. Here are some of the ways you can pay your medical bills while waiting for the claim process:

Use Your Regular Health Insurance

In most cases, your health insurance should be your first line of payment for all your treatment costs. Therefore, as long as you haven't exceeded your coverage limit, you should have your medical provider send the bills to your health insurance carrier. Note, however, that your health insurance carrier is entitled to recover the payments from your auto accident settlement if and when you get it. This is known in insurance circles as subrogation, which is a system insurance providers use to prevent duplication of benefits. Otherwise, you will be reimbursed twice for the same damages (when your health insurer pays for the same bills included in your auto accident settlement.)

Use Your Med-pay Coverage

Medical payments coverage is the part of your auto insurance policy responsible for paying your medical bills after an auto accident. Med-pay, as it is popularly known, is optional in many states where it's mandatory in a few states. Since it pays for your medical bills regardless of who was at fault for the crash, so it should not be a problem getting your auto insurance company to pay for the treatments in case you have the coverage.

Use Your Private Funds

If you don't have any insurance coverage that can pay for your medical bills right away, there is nothing to stop you from using your private funds to settle the bills. In fact, if you have money in the bank, you can just use the funds to pay from your treatment and replenish your savings after your case is settled.

Work Out an Arrangement with the Medical Provider

This last option, though not automatic, is possible if both you and the defendant in your auto insurance case have valid insurance coverage. In such a case, the medical providers are sure that at least one of the insurance companies will pay your damages however long it may take them t do so. Therefore, they may be willing to treat you on credit and place a lien on your auto accident settlement so that they can recover their debt when you get your settlement check.

Don't forget, however, to consult an auto accident attorney before making any final decisions.