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Who Pays for Medical Bills After a Car Accident?

November 3, 2020

medical bills

Car accidents leave victims with a lot of concerns, such as expensive medical bills for injuries. If a collision causes an injury, a driver might be worried about how they will pay for recovery. Several factors determine whether a victim collects compensation after an accident, such as insurance policies and state laws.

Does Liability Affect Compensation?

States have different laws regarding fault and auto insurance policies. No-fault insurance states require drivers to have their own auto insurance policies to cover the damages and medical bills derived from car accidents. Even if the other driver is clearly at fault, they are not responsible for any reoccurring medical expenses of the injured party.

Pennsylvania and New Jersey are considered no-fault insurance states. In at-fault insurance states, an injured driver receives compensation through other means, including a certain percentage from the negligent party’s insurance company. At-fault states also determine who is responsible for collisions and adjust compensation based on the percentage of fault.

In Pennsylvania and New Jersey, an injured driver’s auto insurance would be responsible to pay for most medical bills. There are limits to this coverage, and if an injury costs go above the limit, then the injured party’s health insurance pays the remaining costs. If the injured driver does not have health insurance, then the remaining costs are their responsibility.

Compensation for Serious Injuries

If a driver has severe injuries, they may be able to forego the no-fault insurance guidelines and seek a liability lawsuit against the negligent party. This process can be expensive and lengthy, often taking several months to reach a resolution.  A lawsuit should only be pursued after discussing options with a knowledgeable lawyer.

Why Should I Retain a Lawyer After a Collision?

Car accident cases are often complicated, especially if expensive medical bills are involved. After a car wreck, a victim should speak to a lawyer about their options. Depending on the circumstances and state laws, they may be able to receive compensation through a personal injury claim. In order to receive the maximum amount of compensation, a lawyer is necessary. A lawyer will review the facts of the case and ensure that their client collects damages.

Philadelphia Car Accident Lawyers at Nerenberg Law Associates, P.C. Protect Injured Victims Against Negligent Drivers

Car accidents can be incredibly stressful and overwhelming, so knowing where to get help is extremely important. If you were recently injured in a car accident, one of our Philadelphia car accident lawyers at Nerenberg Law Associates, P.C. can help. Our legal team understands that car collisions can be severe, and we can help you get compensation. Contact us online or call us at 215-569-9100 for a free consultation today. Located in Philadelphia, we serve clients throughout Pennsylvania and New Jersey.