Who pays your medical bills after a car accident?
Understanding who pays your medical bills after a car accident in Maryland confuses many people.
Most people think the other person’s insurance is going to pay their medical bills. That is true, but not until the end of your case.
Medical bills sent to collections
Many people are caught by surprise when they receive a collections notice for a medical bill after a car accident.
Isn’t the insurance company handling this? Yes and no.
Personal injury protection (PIP)
If you have PIP, then your own insurance will cover your medical bills up to the $2,500.00 limit.
However, most people exhaust their PIP quickly or don’t have it at all.
You should try to send your hospital bills to PIP immediately because hospitals are quick to send people to collections and will not wait for your case to settle.
At-fault insurance company
The person that caused the accident will pay for your medical bills, but not until you have finished treating and provided them with all your bills and records.
This means your medical bills, if not covered by PIP, are still outstanding.
Unless you are working with a provider that understands it’s a personal injury case and will hold onto their bill until settlement, you are better offer either submitting your bills to your health insurance or paying them out of your pocket to avoid collections.
Unfortunately, many people don’t understand this and are surprised to get a collections notice.
Bottom line: you may have to pay some of your medical bills and wait to get reimbursed out of your settlement to avoid collections.
Schedule a free personal injury consultation today
Looking for a reliable and experienced Maryland personal injury lawyer? The Law Offices of Ross W. Albers are proud to provide exceptional legal help to those in need throughout the state. We take a personal interest in each of our clients, provide expert legal advice, and will advocate for you every step of the way. Contact us today to schedule a free consultation.
The Law Offices of Ross W. Albers are located in Westminster, Columbia, and Frederick, Maryland.