How Will I Pay for Medical Treatment After a Car Accident?

Posted - April 15, 2021
Medical bill and health insurance form with calculator

After a car accident, your health and welfare should be a top priority, and you may be wondering about how to pay for your care. We cannot escape the fact that medical care in our country is extremely expensive and overwhelming if you do not have the means to pay for the treatment.  Frequently after an accident many of our clients are stuck with massive medical bills from the hospital with no way to pay them. In fact, medical bills have quickly become a major reason for personal bankruptcies in this country. 

It is important to realize that the other driver’s insurance company will not pay your medical bills on an ongoing basis. If you have not retained an attorney, the insurance adjuster will contact you or your family and promise to pay your medical bills–but be careful! The insurance adjuster is usually quick to make promises but once it comes to honoring those promises the insurance adjuster will likely dispute your treatment as “excessive” and “unnecessary”. 

Frequently the insurance adjuster will contact you and tell you they will pay the medical bills and some more doctor visits so long as you sign a settlement agreement. If you are still treating for your injuries, that is absolutely no time to be discussing settlement or monetary compensation. The adjuster wants a quick settlement so that the insurance company does not have to pay for the treatment you may need in the future.

What are Your Options to Pay for Medical Treatment? 

You may be fortunate enough to have some sort of health insurance or a type of insurance called “Personal Injury Protection”, or “PIP”. PIP coverage allows you to pay your medical bills after a car accident. In Texas, PIP is frequently purchased in coverage amounts ranging from $2,500.00 to $10,000.00. This insurance coverage can be used to cover your medical bills after an accident.

What About Your Own Health Insurance?

Even if you have your own health insurance, many health insurance plans refuse to pay for medical care incurred as a result of injuries that come from car accidents. The reason for this is simple: the law in Texas is that when you are injured by another person’s negligence, it is the wrongdoer’s responsibility (and their insurance) to make you whole. 

Your own health plans generally have no legal obligation to pay for your treatment for injuries caused by someone else. In fact, many of our clients come to us after a car accident and state that their own primary care physician told them they do not treat people involved in a car accident. 

What Can You do if You do not Have PIP or Health Insurance That Will Cover Your Treatment? 

You can request to visit a doctor under a “Letter of Protection”. A letter of protection is an agreement written by the patient’s attorney that allows the injured party to obtain the medical care that they otherwise cannot afford on credit or cash. The letter of protection provides a promise to pay for the services directly out of a settlement or judgment. Letters of protection are utilized in most personal injury claims and most commonly used in car accident cases. 

These letters allow injured persons to get the medical care that they need, when otherwise there would be no assistance and these doctors who work under them provide an invaluable service to our community.

You may be wondering why you can’t just submit your bills directly to the third person’s insurance.  Automobile liability insurance carriers will not pay for your medical care as you go. They expect you to pay for the care, then submit all your bills at once and then they will make an offer to settle your case.  This is unrealistic as most people cannot afford to pay for all of the care, they will need  

Contact the Genthe Law Firm for Help After your Personal Injury Accident

If you have concerns about your bills and how to pay for your care following an accident caused by someone else, call a car accident attorney at the Genthe Law Firm, P.C. We can help you determine what types of coverages are available to you and make sure that you do not follow victim to greedy insurance companies. Contact us for help today.