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Medical Bills After a Car Accident: What to Do

woman injured in a car accident with medical bills

If you get injured in an accident, you will need to seek treatment to recover as soon as possible. When that happens, you can’t help but wonder about the medical bills after a car accident. Do you have to pay for treatment? If so, how much will it cost, and will you be able to afford it? 

Technically, the at-fault driver is responsible for the medical bills, but it’s a bit more complicated than that. Let’s take a closer look, so you’ll understand how to pay for medical bills after a car accident. 

Paying for Medical Bills After a Car Accident – Using the Other Driver’s Insurance  

If the other driver is at fault, their bodily injury liability coverage will pay for your medical bills. However, you will need to pay them upfront and then file a car accident medical claim with the negligent driver’s insurance company. You can use your medical insurance to pay the medical bills when you see the doctor. Then, you will get the money back after your claim is approved. 

Paying for Medical Bills After a Car Accident When You’re at Fault

If you’re at fault and only have standard auto insurance, you will be responsible for your medical bills and get costly.

You’ll probably have to start with a trip to the emergency room. The average cost of an emergency room visit was $1,389 in 2017. Still, it can be much higher, depending on the severity of your injuries. Many people report that an emergency room visit’s cost after a car accident is $3,000 or more. If the patient has to be hospitalized, it’s even more, driving up the average hospital bill after a car accident.

woman with a neck injury from a car accident looking at her medical bill

While many people have insurance, high-deductible plans are becoming more commonplace. Even those with insurance often have to pay a deductible of $2,000 or more to get treatment. Add in the copays and coinsurance, and it’s hard to pay for treatment. 

Medical Payments Coverage – The Solution

Many motorists find that medical payments coverage is an easy solution to this problem. This optional coverage can be used to pay for your medical bills. You can use it if you’re at fault for the accident or if the other driver was at fault. Medical payments coverage also handles the medical bills for your passengers. 

If you have this coverage, it can pay for your medical insurance deductibles and copays, health care visits, diagnostic tests, surgery, etc. It even covers your ambulance ride. 

Do You Have Enough Coverage?

Do you have coverage to handle your medical bills after a car accident, or will you have to pay out of pocket? Even if you have medical insurance, you could be stuck paying a high deductible and copays. Consider getting medical payments coverage to handle your expenses. This extra level of protection will help you safeguard your finances if you’re in an accident while still getting the care you need. To learn more about coverage, reach out to a licensed insurance agent. 

Protect yourself by making sure you have the car insurance coverage you need. Freeway can help you save up to $839* on your policy, get a free car insurance quote online, over the phone, or at one of our offices near you.

*Based on a Q1 2020 study of Freeway Insurance customers who reported saving when they switched.

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