If you have been involved in an accident in California and have accrued medical bills, you might wonder: How can I get them paid by the at-fault party’s insurance company? Keep reading to get the answers and then contact Law Offices of Fernando D. Vargas at 909-982-0707 if you need a free legal consultation with an experienced attorney.
Who is Responsible for Paying Medical Bills After an Accident?
If another party has breached their duty of care, then they are likely legally responsible for paying not just medical bills but to provide compensation for other damages too. However, it is likely that the at-fault party will neither admit they are guilty right away nor pay their bills immediately. As you are waiting for your personal injury case to go to trial, your private insurance might pay it. If you need other options, contact Law Offices of Fernando D. Vargas to learn about them.
What Happens if I Do Not Have Health Insurance?
It is a legal requirement for hospitals to negotiate discounts and reasonable payment plans with patients who do not have insurance, or whose income is not more than 350% of the federal property level. There are other options too. For example, if you have a valid injury case, a doctor might take your case on a lien basis, meaning that they will wait to get paid until you have settled your personal injury case.
Should I Take on a Doctor’s Lien if I Have Health Insurance?
Generally speaking, no. It is better to use your health insurance rather than taking on a lien. While a medical lien allows your doctor’s bills to be paid out of the proceeds of your lawsuit (or settlement), if you do not win your case you are still going to be billed at full price for your medical bills. If your insurance pays it, then they cannot be billed more than the rate they have contracted for.
What If I Have More Than One Insurance Policy That Can Cover My Injuries?
If you have excellent coverage, it might be that more than one policy covers your medical bills. You might submit first to one rather than the other, depending on the situation. Your attorney can help you make that decision. For example, if you need chiropractic care, your health insurance might not cover it, while Med Pay might.
At the end of the day, every case is different except this: You should talk to a personal injury attorney sooner rather than later to determine what your best options are. You can call Law Offices of Fernando D. Vargas at 909-982-0707 now to request a free legal consultation.
