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Who Pays for A Doctor Visit After A Car Accident?

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Getting Your Doctor’s Visit Paid for After a Car Accident

An attorney can explain your options to cover your medical bills

Seeing a doctor after a car accident can be time-consuming and costly. You may have to take a few weeks off from work to recover from whiplash. Perhaps you’ve sustained a severe injury that requires months of medical treatment and rehabilitation. As these expenses accumulate quickly, you may be wondering who will pay for a doctor’s visit after a car accident.

If you’ve sustained an injury in a crash, there’s good news. You have plenty of options to help offset those costly medical expenses. To learn more, consult with a verified Premier Car Accident Lawyer. An attorney can inform you of your rights, determine how much money you’re eligible for, and negotiate with insurance companies for a fair settlement.

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Who will foot the bill for your doctor’s visit after a crash? Explore the options outlined below to determine which one best suits your situation.

The at-fault driver's insurance company

If your car accident was caused by someone else’s negligence, their insurance company would be obligated to pay for your doctor’s visits. However, the following criteria must be met before you can pursue a claim:

  • The other driver must have failed to uphold their duty of care on the road.
  • There must be a link between the crash and your injury and other damages.
  • You must have evidence that proves both fault and your damages.

An experienced car accident attorney can establish negligence, tally up your damages, and use evidence to build your case. The amount of money you receive in a settlement will likely depend on the severity of your injuries and losses. It will also depend on the negligence laws that apply in your state. For example: 

  • Pure comparative negligence: Under this rule, each party involved in a collision is assigned a percentage of fault. Even if you’re found to be 99% at fault, you can still recover 1% of the damages. 
  • Modified comparative negligence: This type of comparative negligence has two variations. In the "50% Bar Rule," you can only recover damages if your percentage of fault is less than 50%. In the "51% Bar Rule," you can recover damages as long as your percentage of fault is 50% or less. However, your compensation will be reduced by the amount of fault you contributed.
  • Contributory negligence: Under this strict rule, you can be barred from recovering damages if you contributed any fault to a crash. This applies even if you’re found only 1% at fault.

Personal Injury Protection (PIP)

PIP is a type of car insurance coverage that helps pay for medical expenses, regardless of who is at fault. PIP typically covers medical bills, lost wages, and other out-of-pocket expenses. 

PIP coverage is mandatory in 12 states. In other states, it’s optional. It’s important to check your state's specific laws and regulations to determine whether you already have PIP coverage.

If your state doesn’t require PIP, you can still add it to your insurance policy. Many insurance companies offer PIP as an optional coverage. Before pursuing a PIP claim, make sure you speak to an attorney to understand your rights and what type of compensation you’re entitled to.

Your health insurance

If you have health insurance, you can use it to pay for doctor’s visits after a car accident. However, it’s important to understand your policy and coverage. Some insurance plans may require a co-pay for doctor’s visits. This is a fixed fee that you would pay out-of-pocket, even if your health insurance covers most of the cost. 

To find out how much of the cost your insurance provider will cover, review the terms and conditions, as well as the deductible. This is the amount of money you must pay out of pocket before your insurance provider starts covering the costs of your doctor’s visits. 

Uninsured or underinsured motorist coverage (UM/UIM)

UM/UIM coverage is a type of car insurance that provides financial protection if you’re injured in a crash with an uninsured or underinsured driver. It also applies to hit-and-runs where the at-fault driver can’t be identified. This coverage helps pay for your medical expenses, vehicle repairs, and lost wages.

Not sure if you have UM/UIM? Check the insurance policies in your state. Some states automatically include it in your car insurance policy unless you reject it in writing. If you live in a state where UM/UIM is optional, it’s highly recommended that you get it. It can prevent you from having to pay for your damages out of your own pocket. 

With UM/UIM, you would seek compensation from your own car insurance company. However, it’s important to consult with an attorney before pursuing a claim. An attorney can determine the true value of your claim and fight to ensure you receive full compensation. 

Medical Payments (MedPay)

MedPay is a type of car insurance coverage that pays for medical expenses accrued from a car accident. This type of coverage is optional and can be added to your existing car insurance policy. It will reimburse you for a doctor’s visit after a car accident, regardless of who’s at fault. 

MedPay typically has a limit on the amount it will cover. It’s important to review your policy and understand the terms and conditions. Depending on which state you’re in and which insurer you use, MedPay limits can range from $1,000 to $25,000.

Whether seeking compensation from the at-fault driver’s insurance company or your own, it’s critical to document everything. That includes:

  • Hospital bills: This includes emergency room visits, hospital stays, surgeries, or other medical procedures.
  • Doctor consultations: Keep track of fees associated with visits to primary care physicians, specialists, or any other healthcare professionals.
  • Medications: Note the costs of prescribed medications, over-the-counter drugs, or any medical supplies needed for your recovery.
  • Diagnostic tests: Document expenses for X-rays, MRIs, CT scans, laboratory tests, or any other diagnostic procedures.
  • Rehabilitation and therapy: Include fees for physical therapy, occupational therapy, chiropractic visits, or any other rehabilitative services.
  • Home healthcare: If you require home healthcare services, such as nursing care or assistance with daily activities, keep records of the associated costs.
  • Assistive devices: Document expenses for crutches, wheelchairs, braces, or any other necessary equipment.
  • Transportation costs: If you incurred expenses for transportation to and from medical appointments, such as ambulance fees or mileage, make sure to include those.
  • Psychological support: If you sought therapy or counseling to cope with emotional distress resulting from the crash, keep a record of those expenses.
  • Lost wages: Keep track of any days you missed from work (and will miss in the future) due to your crash-related injuries.

Knowing which course of action to take isn’t always clear if you've been injured in a car accident. The insurance companies may try to convince you that you don’t need an attorney. They may also use tactics to reduce their payout or deny your claim. If you speak to them, they can use your word against you.

That’s why you should consult an experienced Premier Car Accident Lawyer as soon as possible. An attorney can advocate for you every step of the way and fight to recover every dollar owed to you. Best of all, you don’t have to pay any upfront lawyer’s fees. That’s because our Premier Attorneys work on a contingency fee basis and only get paid if they win your case.

Ready to take the next step towards getting the compensation you deserve? Consult with a lawyer in your area today.

Injured? Call Now
Talk to a LAW.COM Premier Attorney today!

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Tell us about your potential case.

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Injured? Speak to a LAW.COM
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