Question

Who will pay my medical bills while my case is ongoing, after a car accident in West Virginia?

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Charles M. Love, IV - Personal Injury - General - Super Lawyers

Answered by: Charles M. Love, IV

Located in Charleston, WVThe Love Law Firm

Charleston, WV
Phone: 304-344-5683
Fax: 304-344-5684

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Answer

Ultimately, the person who was at fault for the wreck will pay the medical bills. That can be small comfort while the case is ongoing and you still see bills pile up for your care. While your case is still underway, you have options to ensure you can pay your bills: your regular health insurance, medical payment (Med Pay) coverage from your auto insurance and an agreement with your health care provider could all work. However, you should know that each option has pros and cons.

Your options to pay medical bills, while also dealing with an ongoing lawsuit

I would recommend that you start by trying to use your standard health insurance if you have it. In some cases, health care providers might attempt to reject claims stemming from car accident injuries. They might say you should use Med Pay coverage for it if you use insurance at all. However, there’s no reason that they cannot cover car insurance injures. Approach it the same way you would any other health care need. Don’t mention that you have a pending lawsuit, or that you have a lawyer. That can minimize any possibility that they won’t pay your costs.

Med Pay coverage is another option. Med Pay coverage is often a part of your auto insurance policy, or you can also buy it separately. Medical providers prefer to bill Med Pay coverage rather than regular insurance because they can get more money from Med Pay coverage. And, it can be simpler for you if you have it too. With regular health insurance, you are responsible for your deductibles or copays. With Med Pay, you don’t have to pay those.

If you’re using insurance, whether it’s private health insurance or Med Pay coverage, make sure that the health care professional bills your insurance, and not you. Mistakes in billing can lead to you being responsible for huge bills without any help. While these issues can be fixed, it can take time and is stressful.

If you don’t have insurance of any kind, you may consider an arrangement directly with your health care provider. In some cases, you can agree with them that if they treat you now, you will pay them back out of the settlement you receive, later. A lawyer can help you make this arrangement if it’s your only option.

Focus on healing, not financial stress

Whatever your situation, there is no need for you to worry about paying bills when you should be able to focus on recovering. A car accident lawyer can help you figure out your best option for ensuring that your health care bills are paid, even while your case is ongoing.

Disclaimer: The answer is intended to be for informational purposes only. It should not be relied on as legal advice, nor construed as a form of attorney-client relationship.

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