Being hurt in a
car accident can really throw a wrench in the gears of your life. Aside from immense
physical and emotional pain during your recovery and the frustration of
lessened mobility and time away from work, you will also likely be faced
with an enormous financial burden due to your resulting medical treatments.
But who pays for these medical bills? While an injury settlement or verdict
at trial is great, it does nothing to help you cover your costs in the
Unfortunately, in the state of Texas, at-fault drivers do not have to pay
for your medical expenses as they come in. Until a settlement is reached,
you will be financially responsible for any medical bills you incur. Fortunately,
there are several methods for paying your medical bills in the meantime:
Medical Payment Insurance Coverage: Many drivers in states that operate under traditional fault-based car insurance
systems have medical payment insurance coverage, also known as “med
pay.” Med pay coverage will pay the medical bills of drivers and
passengers injured while riding with the insured person up to the limits
of the policy, which is usually less than $10,000. If your expenses exceed
your policy’s limit, you will be responsible for paying the difference.
Health insurance: If you do not have med pay coverage, or if your medical bills exceed its
limits, your health insurance will cover your costs as they come in. It
is important to note, however, that if your health insurer pays for your
medical expenses, they may be entitled to reimbursement for these expenses
out of your eventual settlement.
Medicare: Medicare will pay for the medical bills of eligible individuals as they
are incurred. Like health insurance, Medicare is also entitled to reimbursement.
Medicaid: Medicaid is a federal program which assists states in providing health
insurance to people with low incomes. If you receive health insurance
through a state-run program and are injured in an accident, that program
will pay your medical bills. Again, like health insurance and Medicare,
Medicaid is entitled to reimbursement for these costs.
Workers’ Compensation: If your car accident occurred during the scope of your occupation, your
employer’s workers’ compensation insurer will likely cover
all of your medical expenses, rehabilitation costs, and transportation
costs for all travel to and from your medical appointments.
Pursue Compensation Today – Call (830) 476-7780
Unfortunately, dealing with insurance companies of any kind after a car
accident can prove to be an uphill battle. If you have been injured in
a car accident, the
New Braunfels personal injury attorneys at Kyle Law Firm are here to help. With compassionate guidance backed
by 60+ years of experience, we can handle negotiations with the involved
insurers on your behalf and work to make sure you receive access to the
treatments and reimbursement you deserve.
Connect with us online today to take the first step towards filing a claim.