While you’re waiting for your case to be settled after a car accident, it could get quite stressful watching your medical bills come rolling in. How are you going to pay for them? You may not have the finances squared away for this kind of situation, so what should you do now? The following are some ideas to hopefully help you with your medical bill situation.
If you live in a no-fault state, your auto insurance could kick in to pay for your medical bills. The way it works is no matter who caused the accident, you receive compensation in full or in part as long as you have auto insurance.
Some low-income individuals and families qualify for Medicaid, which is a government-funded health benefits program. You would have to work with your local Medicaid office to apply for benefits. When you do apply, be sure you are honest about why you are applying, informing the Medicaid personnel that you were in an accident and are awaiting a settlement.
Personal Injury Protection
Personal injury protection is a type of insurance that comes with auto insurance. It caps off at a certain limit, but will pay the first handful of medical bills that come in. Once the limit is reached, you would be on your own for paying your bills.
If you were injured in a car accident that occurred as part of your job, you could be entitled to workers’ compensation. If you were on a personal errand during work hours when your accident occurred, you may not qualify, but if you were on an errand for your employer, you could qualify. Your lawyer can help you sort through the particulars to determine whether you have a case for workers’ compensation.
Your personal health insurance is a great option for paying for medical bills following a car accident. Some individuals think they can’t dip into their health insurance because they are waiting on a settlement, but they absolutely can in most cases. Your insurer will want reimbursement, but that will come out of your settlement check, so it should never be an additional burden on your finances.
Contacting a Lawyer Today
If you have questions about how you’re going to pay your medical bills after a car accident, contact an attorney who has the answers. You deserve compensation, but while you wait, there are ways for you to receive financial help. Contact your lawyer today to get started.