After being injured in a crash, your number one priority should be getting better, not getting a settlement or dealing with lawyers and insurance companies. Unfortunately, medical care isn’t cheap, and the costs start at the crash scene if you need an ambulance (and you will find out most ambulance drivers are high pressure salesman). From there, your accident-related expenses could just keep piling up, from overnight stays, to surgical procedures, prescription drugs, physical rehabilitation, and more.
Most people think the other driver or their insurance company are required to pay these bills as they come in, but that is not how it works. They will tell you the bills are your problem unless until you enter a final settlement with them.
EMS services, hospitals, and outpatient facilities don’t waste time when it comes to sending bills, either. To make matters worse, your injuries may prevent you from working while you’re receiving treatments and trying to recover. That means you’re looking at huge expenses that you can’t afford on your normal salary, let alone during a time when you’re not earning the paychecks you depend on.
Here is the reality check – Insurance companies do not play fair. They are in business for one reason and one reason only: Money. The business plan is simple. They make money off selling insurance for accidents and then pay as little possible when those accidents happen by whatever means necessary.
Use These Options to Stay on Top of Your Medical Bills
The costs associated with an auto accident are often far too much for the average family to bear, especially out of pocket. But that fact doesn’t stop bills from being due. Utilizing the following resources can help you stay on top of your medical expenses while waiting for your compensation check to arrive:
- Your health insurance coverage—Whether it’s through your job, your spouse’s job, or a private plan, health insurance coverage can pay some or all of your medical bills after a crash. Be sure to provide the hospital or healthcare clinic your insurance information as soon as possible after you arrive and begin receiving treatment. Just know that your health insurance company will want to be reimbursed from your settlement.
- Medicare or Medicaid—If you receive Medicare or Medicaid, that coverage may be used to pay some of your crash-related expenses. Keep in mind that you may have to pay some or all of that money back if you receive a settlement check from the other driver’s insurance provider.
- Med pay or personal injury protection (PIP) plans—If you purchased supplemental injury policies for your auto insurance, including med pay or PIP, you may be able to use those policies to pay for some of your bills. Keep in mind that med pay and PIP are usually limited in the amounts they pay out, and they may not pay for all your expenses.
- Payment plans—Hospitals are often willing to work with victims who are struggling financially. Getting in touch with the hospital’s billing department or service and asking for a reduced payment or setting up a payment plan can make your bills more manageable while you wait for your settlement check.
- Hire a lawyer!