Who Pays My Medical Bills After A Car Accident?

If you are injured in a car accident and seek medical care, you may be wondering if you’re going to get hit with a huge hospital bill for the services the care team performed. It’s normal to wonder who is responsible for medical bills in the wake of an automobile accident, especially if another person was at fault for your accident. In today’s blog, we take a closer look at how medical bills are handled after an automobile accident in Minnesota, and who is responsible for paying them.

Who Pays My Medical Bills After An Auto Accident?

In the event that you are injured in a motor vehicle accident in Minnesota, then your automobile insurance provider will be the one who pays your initial medical bills. This is true even if:

You have health insurance
Another driver caused the accident
You were a passenger in the vehicle
You were walking/cycling and struck by a motor vehicle

If you have automobile insurance and were injured while in a vehicle or by a vehicle, your car insurance provider will pay your medical bills. If you do not have automobile insurance, then the policy of a relative that you live with or the driver of the vehicle will likely be the one footing the medical expenses after your accident.

With that being said, your automobile insurance provider isn’t just going to issue you a blank check for any and all medical expenses. While they should cover any treatment deemed reasonable and necessary, the medical insurance from your automobile policy is typically capped at $20,000. If you incur more than $20,000 in medical expenses from an automobile accident, you’ll have to seek payment from elsewhere.

If it was a single-car accident or you were at fault, additional medical expenses will typically be covered by your health insurance. Specific coverage amounts will be based on your individual policy, but once automobile insurance has paid the first $20,000, the rest of the medical expenses will shift to your health insurance provider.

For car accidents that were caused by someone else and exceed that $20,000 threshold, it gets a bit more complex. In these scenarios, you’ll be entitled to file a personal injury claim against the at-fault driver’s automobile insurance provider. You will be able to collect compensation for medical expenses, lost wages and more, but you’ll have to file a claim and prove that the other driver truly was at fault for your injuries.

The best way to do this is with an experienced personal injury lawyer by your side. Dean and the team at Margolis Law Firm have been helping car accident victims get the compensation they rightly deserve by proving that someone else was at fault for their injuries. Don’t leave compensation up to chance or get stuck with a bad settlement from their insurance provider. Connect with a lawyer who has your best interests at heart and know that your case is in good hands while you focus on your health and family.

If you have questions about your car accident insurance claim, or to check with a lawyer to see if you might have a valid claim, reach out to Dean Margolis and his team today at (952) 230-2700.