Who Pays My Medical Bills After an Auto Accident?

Harrell & Paulson

When you’re the victim of an auto accident, ensuring you receive compensation for your medical expenses is essential. After all, healthcare is expensive and can leave you in astronomical debt. Ensuring that your bills are taken care of can help provide peace of mind while you continue on your recovery journey. When you need assistance ensuring your expenses are paid, a Kaufman County car accident lawyer can help fight for the justice you deserve.

Is Texas an At-Fault Auto Accident State?

Some states have “no-fault” decisions when it comes to auto accidents, meaning you can file a claim with your health insurance during an accident regardless of who caused the incident. These states have mandatory Personal Injury Protection that all auto insurers must offer their clients.

However, Texas is not a no-fault state, which means the victim of the collision can file a claim with the negligent driver’s insurance company. Similarly, the negligent driver may be responsible for paying for their own injuries out of pocket.

Ensuring you collect evidence like photographs, videos, security footage, and eyewitness statements to help prove that you were the victim of the collision. This information can be used to ensure you were not at fault for the accident, making it more likely that the other driver’s insurance company will not try to deny or negotiate your claim.

Who Will Pay the Bills?

If you’ve been injured as a result of another driver’s negligence, you must file a claim with their insurance company to receive compensation for your bills. However, you may find that you must prove negligence before their insurance allows you to file a claim. This means it can delay your ability to pay bills.

However, your insurance company will likely cover the upfront costs of your medical bills until you can prove negligence on behalf of the other driver. Then, your insurance provider can request compensation from the at-fault driver’s insurance.

Do I Need an Attorney?

If your injuries exceed that of what the other driver’s insurance covers, you may want to file a personal injury lawsuit to ensure you receive compensation for the injuries you sustained. Guaranteeing you have a competent attorney to help you file a claim can allow you receive the best settlement.

In Texas, you will only have two years to file a lawsuit against the negligent driver. This means you cannot wait too long to file a suit, as this can delay your chances of receiving compensation.

When you’re injured in an auto accident, having Harrell & Paulson ready to represent you is vital. Don’t wait until it’s too late to reach out. We will do our best to ensure you receive compensation and justice for the injuries you’ve sustained at the hands of a negligent driver.