After being seriously injured in a car accident caused by someone else's negligence, victims often wonder who pays for their medical care and whether they'll be left holding the bag.
While the answer to this question varies dramatically by state, in Pennsylvania, medical bills are submitted to the car accident victim's insurance first. This is because, as a no-fault state, Pennsylvania requires all parties involved in an accident to recover medical expenses and lost wages from their individual insurance providers, regardless of who's at fault for the crash.
To accommodate this requirement, Pennsylvania drivers must carry a minimum of $5,000 in medical benefits insurance coverage, though higher thresholds for medical benefits coverage are available and recommended.
Once an accident victim uses their auto insurance medical benefits coverage, they can submit their claim to their public, private or employer-sponsored health insurance provider, who pays a portion of the medical bills, provided the victim met the deductible. However, should the victim file a personal injury lawsuit against the at-fault party and receive a settlement, they may have to pay back the insurer for some of the bills it paid on their behalf. This process is known as subrogation.
Finally, after exhausting their auto insurance medical benefits and health care coverage, victims can seek compensation for any remaining medical expenses from the at-fault party's insurance company.
Car accident injury victims can also file a personal injury lawsuit against the person or entity responsible for the crash to pursue compensation for a wide range of other losses, including property damage costs, pain and suffering, and more.
Consult a Knowledgeable Car Accident Attorney
Determining who should pay for your medical expenses after a car accident can be confusing. Fortunately, our experienced car accident attorneys can help ensure you don't get stuck paying for bills that aren't your responsibility.
Contact the Accident and Injury Law Group today to schedule an appointment for a free initial case consultation.