Car Accidents

Who pays my medical bills after a car accident?

"The other driver's insurance said they would pay for my medical treatment. Why am I getting bills?"

Colorado Car accident attorney
Bryan Doran

By Bryan Doran

4 min read
"The other driver's insurance said they would pay for my medical treatment. Why am I getting bills?"

So the question “whether or not the insurance company is going to pay for your medical” is answered with a common answer which is “maybe.”  Another way of answering is saying “they should.”  The last way I’d answer is “they’re more likely to pay if you have an attorney advocating for you.”

There are different levels of coverage that you can turn to in order to pay for the medical care you need.

The first and simplest and most obvious is your basic medical insurance. Anytime you have a healthcare need, your standard medical insurance is the presumptive source of payment.

 When you’ve been involved in a collision where there is somebody at fault, somebody who hit you or somebody who did something where they’re legally responsible for the injury that you’re getting treatment for, you have available to you the insurance policy of the driver that hit you.  However, it’s not immediately available.

This is something that has to be negotiated.  In addition to the payment for the medical expenses that you have, you might have lost work. There might be a wage loss claim. You’re also, by law, entitled to compensation for pain and suffering.  All of that gets resolved in one settlement.  It will account for everything you’ve been through, what you’re facing in the future both in terms of medical care, impairment of your employability or wages and future pain and suffering.  So what do you do in the meantime when you’re trying to figure out what kind of treatment you’re going to need and when you’re in need of treatment right here and now.

Most of the policies that people have when they’re injured will include something called Personal Injury Payments (PIP) or Medical Payments (MedPay).  What this basically means is you’ll be fronted the cost of medical care through your car insurance, and when that’s exhausted, you’ll move on to your regular health insurance.  When you make your settlement or if you receive a jury verdict against the party that caused you to have to get all that treatment, then the cost that your insurance policy carriers incurred get paid back out of that settlement.  This is called Subrogation. 

With all of these encounters with insurers, there is typically some debate or some discussion of whether you really need the care.  The insurance company is not of bad intent – it’s just their job is to spend as little money as they can.  They’ll take a more critical eye at whether you need that extra couple of weeks of physical therapy. Or whether you need the treatment modality that your doctor is recommending and your insurance company is saying “I’m not sure we’re willing to pay for that.” 

So at every step of the way, having an attorney who can advocate for you with that insurance company to make sure you get the full treatment that you need to make sure you heal as much as you possibly can is always advisable. 

Again, I strongly encourage anyone who was injured to at least have a conversation with an attorney. Not just for what the money that can be had at the end of trial or at the end of the settlement but also as you’re treating, as you’re trying to recover from your injury and making sure you’re getting the best health care while you can, that you paid for when you paid your premium payment every month.

Do you need help paying medical bills after a car or motorcycle accident in Colorado?  Get help from a Colorado car accident attorney

If you were injured and need help paying medical bills from a car accident in Colorado and want to know what your legal rights to wrongful death damages, pain and suffering compensation, economic damages and injury benefits to cover medical expenses and lost wages, you can speak to an experienced Colorado car accident attorney at (866) 377-3800  for a free consultation. You can also get help from an experienced truck crash attorney by visiting our contact page or you can use the chat feature on our website.

For more than 40 years, our attorneys have been helping Coloradans just like you who have been injured in these types of crashes. We understand the emotional, physical, and psychological struggles you are experiencing from your accident. We can help.

Metier Law Firm car accident attorneys have a well-known record of success recovering the highest jury verdicts and settlements in Colorado. 

About Bryan Doran
Metier Law Firm
Bryan Doran has been fighting for catastrophically injured victims for over 5 years.  Bryan has successfully litigated cases involving car accidents, truck accidents, medical malpractice, traumatic brain injuries and multiple other serious injuries. After a successful co-counsel relationship with Tom Metier, Bryan joined Metier Law Firm to continue fighting for injured victims in Colorado and Washington. 


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