You’ve encountered the worst possible vehicle situation: you’ve been injured in a car accident.
Typically, this is accompanied by a myriad of questions. Who is going to pay for the damages? Does car insurance cover medical bills?
If not, is there any way to guarantee you will get paid what you need? You’ve got questions, and we’ve got answers. Keep on reading to find out!
Does Car Insurance Cover Medical Bills?
But it’s more complicated than that. To get a definitive answer, you must look at the type of insurance you have and whether or not you’re at fault.
Car insurance will often cover medical bills for people who were injured in the accident but not at fault. For instance, if someone rear-ends you, their insurance will likely cover your medical bills.
If you’re not at fault, you’ll want to begin the process of filing a claim with the other party’s insurance as soon as you can. Inform them you’ve been in an auto accident and that you’ve been injured.
The insurance will then go about opening an investigation into the incident. Determining liability serves as the end goal of the investigation.
They won’t be able to give you an answer on whether or not they will cover your medical bills until they determine liability. Yet, you can still ask them about their policy for paying medical bills.
What If You’re at Fault?
But what if you caused the accident?
In that case, the other person’s insurance will not cover any of your medical bills or repairs. Your insurance will actually need to cover theirs.
Yet, even for people who are at fault, accidents happen accidentally. You didn’t want to end up in a situation in which you’re loaded with medical bills and car repair payments.
If you do it on your own, it may seem overwhelming.
You might find yourself looking at your own coverage and asking, “Does car insurance cover medical bills when I’m at fault?”
The answer to that question depends on your insurance.
If you have insurance that covers medical payments, your car insurance will help you pay for your medical bills. Don’t know if you have this insurance? Call your provider to find out!
What If the Insurance Won’t Pay?
Are you stuck in a situation in which an insurance company won’t pay?
This can happen for a number of reasons, perhaps the most common of which is they have determined their client was not at fault.
Yet, their refusal doesn’t mean you don’t have medical bills!
The solution? Pick up a phone and call an injury lawyer at this practice. They will help you get the assistance you need.
Need More Legal Advice?
So, does car insurance cover medical bills?
It depends on quite a few factors. If it’s determined you were not at fault, you will likely be able to get covered by the other person’s insurance.
Yet, determining liability can be sticky, and sometimes, it’s best to get some legal help.
If you’re looking for more legal advice, check out the articles on this website!