There are a number of different potential sources of funding to resolve your property and injury claims. If either you or the at fault driver have med pay with your motor vehicle insurance, med pay is often the primary source of payment for medical treatment. Most people, however, do not have a large amount of med pay, if any, with their coverage. Often med pay caps  out at $5,000.00 per person. If med pay is exhausted, or if med pay is not available, then your health insurance should pick up the cost of additional medical treatment. Sometimes the medical treatment provider will not accept your medical insurance when they find out that your injuries were the result of an automobile accident. If this occurs, contact us immediately.

There are a number of reasons your doctor, hospital or other treatment provider may not accept your insurance:

  • fear of being involved in litigation
  • desire to obtain more money from other sources, such as med pay
  • a general misunderstanding of the insurance payment process in cases involving third party liability.

An experienced attorney can often assist in getting your medical bills paid through the appropriate source. If you are unable to pay for the treatment you need through your health insurance or you have no personal health insurance or med pay available to pay your medical bills, we may be able to help you find medical providers who are willing to provide the treatment you need at no cost to you.

Often the medical treatment provider will not accept your medical insurance when they find out that your injuries were the result of an automobile accident.
You may be asking yourself, shouldn’t the other driver’s insurance be paying for my medical bills anyway? The answer to this question is of course, yes, if the other driver was at fault. However, typically, it is difficult to get the insurance company of the at fault driver to pay the full value of your medical bills as well as other related damages you are entitled to receive. Often the insurance company will attempt to negotiate a quick settlement, before your injuries have fully resolved.  However, it would be a terrible mistake to settle your case before you have finished treatment, for a number of reasons. First and foremost, until you have completely recovered you won’t know what all of your medical bills will be as a result of the accident. You may also ask yourself the question, why should my insurance pay the medical bills when the other driver was at fault? The answer to this one is simple and two-fold. First, you paid for that insurance and it is obligated to pay for your medical bills. Second, your insurance company has the right of subrogation against the insurance company for the party at fault. Subrogation is an important issue in almost every personal injury claim and in almost every case you would benefit from the extensive experience our attorneys have gained in negotiating subrogation issues to maximize your recovery.

Typically, the insurance company for the party at fault will pay you directly for the damage to your motor vehicle. However, don’t just accept their offer. You should have your vehicle independently evaluated by a mechanic that you trust. Make sure your mechanic is familiar with warranty issues related to your vehicle and how they are affected by the accident. For instance, many vehicles will not warrant their seatbelts after an automobile has been involved in an accident. Therefore, replacement of your restraint system may be required. Furthermore, you should make sure that the insurance company for the at fault driver fully compensates you for the diminished value of the vehicle. Once again, you may wish to consult with an expert in this area to make sure that you maximize your recovery in this regard. Because we have extensive experience with automobile litigation, we will be more than happy to assist you in finding an expert who can make sure that you receive full and adequate compensation for the diminished value of your vehicle. Often this is the difference of thousands of dollars in your pocket. Likewise, the insurance company for the at fault driver should provide you with a rental car. If they do not, please contact us as soon as possible so that we can make sure  you have the transportation you need pending the repair of your vehicle.