You have been injured in an accident and need medical treatment who will pay the medical bills?

You are responsible for the payment of your medical bills as you incur them if you are involved in an accident regardless of who caused the accident. To protect your credit, it is important to submit the claim for treatment to your health insurance company and pay all co-pay and deductibles as agreed.

The person who caused the accident isn’t required to pay your medical bills as they are accrued and this can cause confusion to some accident victims because they feel that their own health insurance shouldn’t have to pay for something that was caused by another person’s negligence.   You would be entitled to receive reimbursement for your medical bills upon making a successful claim and/or lawsuit against the responsible party’s liability insurance. A lawsuit to recover damages could take months or even years before you receive payment from the responsible party.

Processing a personal injury claim thru the legal system can take a long time and using your health insurance to pay for your treatment is a good choice.

Some health insurance companies expect to be reimbursed for the medical bills they paid on your behalf when you receive a settlement from the responsible party. This is called subrogation. RS Law is well versed in negotiating with health insurance companies and will fight on your behalf to maximize your recovery.

What if you do not have health insurance? There are some doctors and chiropractors who treat victims of accidents that don’t have health insurance and will provide medical treatment and wait for the accident to settle before they receive payment. They will do this with a personal injury lien. A personal injury lien is a binding contract between you and the doctor. When you receive your settlement or payment from a verdict, RS Law will pay the doctor from those funds. RS Law can assist you with appointments with doctors who agree to provide treatment in return for a medical lien.