After a car accident in Illinois, you may be worried about all the bills you need to pay. Your medical expenses, especially, may be significant. It is essential to figure out who pays medical bills after a car accident because you may not be able to wait for a settlement.
Even if the other driver is at fault, it can take some time for the settlement to come through. In addition, the at-fault driver may have low coverage limits that do not cover the cost of your medical care. Insurance companies may also fight the amount of the settlement, which can further delay you getting your insurance money. Medical providers and hospitals are under no obligation to wait until you have a settlement. In fact, your bills are usually due as soon as your medical treatment is completed.
Fortunately, even if it takes you some time to get a settlement after your car accident, you do have options. Your health insurance may cover part or all of the cost of your medical care, depending on your coverage. If you have Medicare or Medicaid, you can also seek to have these programs cover your expenses. If health insurance covers your medical bills after a car accident, keep in mind you may need to compensate your insurer after your settlement. Make sure you understand how your insurance pay works before you agree to anything.
Medical pay coverage from the car insurance policy you had in place at the time of the accident may also help you pay for the bills. You may have limited no-fault coverage on your plan, which will pay for part of your medical expenses. However, since limits on this coverage are low, your entire medical costs may not be covered.
Some medical care providers may be willing to place a lien on your settlement. The lien gives you time to get your settlement in exchange for a promise to pay your health care provider once you get your settlement. There is some risk associated with this, since a lien may not prevent collection action, and if your settlement is not as much as you expect, you will still be responsible for your full bill.
Being in a car accident is stressful enough. You shouldn’t also have to worry about how you will pay for necessary medical treatment.
If you have been in a car accident in Illinois, injury lawyer George Argionis for a free consultation with a car accident attorney. George Argionis and his team of lawyers have decades of experience handling auto accidents. They will get you the most money for your settlement. Our attorneys have experience guiding clients through every step of the process, not just the case. We can answer your questions, explore all your options for paying medical bills and more.
Our attorneys can even help you understand your insurance policies and negotiate with medical providers about a lien on your settlement. Our goal is to ensure you are taken care of at every step, so you can focus on healing from your injuries. Finally, injury lawyer George Argionis and his team of lawyers will get you the maximum settlement.