It is common for personal injury victims to receive many unexpected medical bills after being injured. This can be very unnerving. Exactly how a personal injury victim should handle their medical bills after a personal injury depends on the circumstances. Factors to consider include the availability of health insurance, auto liability insurance from the careless person who caused the injury, and Personal Injury Protection.
For individuals who have health insurance, many medical providers who have treated them will refuse to bill the individuals’ health insurance. This can result in being held liable for the full medical bill. Sometimes, it is in your best interest to force the medical provider to submit the bill to your health insurance. Sometimes it is not, depending on your specific financial situation and the facts and circumstances of each case.
For those who do not have health insurance, there are steps that can be taken to prevent the medical bills from causing serious financial burden or damaging your credit. These steps are frequently time-sensitive, and also depend on the facts and circumstances of each case. Some medical providers will stop their collection efforts until you have received compensation for your injuries. Some providers require a minimum monthly payment. And, of course, if there is Personal Injury Protection or Medical Payments Coverage insurance available, you might be able to seek some relief from your own car insurance policy.
Often, the insurance company for the careless person who caused the personal injury will try to convince you to settle the case early in exchange for prompt payment of your medical bills. This is usually a bad idea, and you should understand your rights before you entertain an offer like this. While it might seem uncomfortable to pick up the phone and ask a personal injury lawyer for advice, any good personal injury lawyer will gladly take the time to explain your options so you can make an educated decision.