Filing A Medical Claim After A Car Accident

In many cases, health insurance policies do cover injuries sustained in a car accident. However, the extent of coverage and the process can vary.

Some health insurance policies may have clauses that specify how coverage works in the event of a car accident, particularly regarding coordination with auto insurance policies.

If your health insurance policy does cover car accident injuries, standard deductibles and co-pays will still apply. Be aware that you might need to pay these out-of-pocket costs even if the accident was not your fault.

What if I live in a no-fault state?

In states with no-fault auto insurance laws, your insurance policy's Personal Injury Protection (PIP) or Medical Payments (MedPay) coverage typically covers medical bills.

After these resources are exhausted or if they are not available, health insurance may then cover additional medical costs.

Whether you have to reimburse your health insurance for medical expenses after a car accident typically depends on the terms of your health insurance policy and the laws of your state.

Many states have subrogation laws in place. This gives health insurance companies the right to recover the amount they paid for your medical treatment. If your car accident was someone else’s fault, their insurance company would be responsible for paying for this.

Claiming medical expenses after a car accident involves a series of steps. Here's a general outline of the process:

• Seek medical attention: First and foremost, get the necessary medical treatment. Keep detailed records of all medical visits, treatments, prescriptions, and any other healthcare-related expenses.
• Report the accident: Inform your car insurance company about the car accident as soon as possible.
• Gather documentation: Collect all medical records and bills related to the crash. This includes emergency room visits, hospitalization, doctor visits, physical therapy, medications, and any other relevant medical expenses. Obtain a copy of the police report if available, as it serves as an official record of the car accident.
• Determine coverage: Review your car insurance policy to understand what medical expenses are covered under your plan. Look for coverage under medical payments (MedPay) or personal injury protection (PIP) if you have these in your policy. If the other driver was at fault, their liability insurance might cover your medical expenses.
• File a claim: Speak to an attorney to file a claim as soon as possible. An attorney can ensure that the process is completed correctly. Be sure to do this as soon as possible.

How long after a car accident can you file a medical claim?

Every state has a statute of limitations for personal injury claims. It’s typically around two or three years, but some states allow one or six years. However, it’s best practice to file as soon as possible. The sooner you file, the sooner you’ll get the financial benefits you need. Plus, it will be easier for a lawyer to investigate your car accident and gather fresh evidence and witness statements.

The settlement you can expect from your claim may vary. It typically depends how much your medical expenses, lost wages, and property damage come out to. The severity of your injuries, pain and suffering, and liability are also factored into your settlement.

You’ll need to consult with an experienced car accident lawyer who can determine the true value of your claim. In many cases, the other driver’s insurance company will offer a quick lowball settlement. This typically covers only a small portion of your damages. Once you accept it, you won’t have the chance to pursue additional compensation.

To receive a maximum settlement, let an experienced attorney handle all negotiations. They’ll fight to ensure that you receive every dollar owed to you.

Filing a medical claim after a car accident can be a complex matter. Let an experienced Law.com Premier Attorney help you sort it out. Our verified lawyers understand the complexities of getting compensated after a crash. They can guide you in the right direction, ensure that your rights are protected, and fight to maximize your compensation.

It doesn’t cost anything upfront. The consultation is free. Plus, Premier Attorneys work on a contingency fee basis. This means that you don’t have to pay any fees for their services unless they win your case. Contact an attorney near you to learn more.