If I Am Injured – Who Will Pay My Medical Bills?

If you were injured in a car accident that was not your fault, it can be difficult and frustrating to try and take care of your medical expenses. As you begin to recover from the accident, the medical bills also start to pile up. The information below attempts to sort out the different entities that may be liable for helping pay parts or all of you medical expenses, besides seeking recovery from the driver at fault. First off, it is important to note, that if you received medical treatment, you are responsible for paying the bill. However, that does not mean that other parties responsible for the accident are off the hook; they may be responsible for paying you damages that are intended to compensate you for your injuries. In addition to the information below, a Kansas City car accident attorney can help answer your questions about how to pay your medical bills to avoid future financial hardship because of someone else’s reckless driving.  

Your Insurance

All drivers are required under the law to have car insurance before operating a vehicle. At the Krause & Kinsman Law Firm, we can help you to navigate the complexities of dealing with insurance companies to recover compensation for your injuries.

Although the law requires car insurance, too many drivers drive without it. Certain insurance policies contain a provision for Uninsured Motorist Coverage. This coverage protects drivers in cases where the other party is at fault, but does not have car insurance. Importantly, Uninsured Motorist Coverage covers drivers even in cases of hit-and-runs.

In serious car accidents, the cost associated with medical expenses may far exceed the dollar limit of the applicable insurance policy. For that reason, insurance companies offer a type of insurance called Underinsured Motorist Policy. If you are injured in a car accident and have underinsured motorist coverage, your insurance will pay for the amount of your injuries that exceed the other driver’s policy limit.

We are more than willing to answer your questions about what may be covered under your insurance policy. To protect your financial well-being in the event of an accident, it is important to maintain adequate insurance policies. See our related blog post for additional information on the types of insurance that is available to protect you in a car accident.

Health Insurance

If you have health insurance, your insurance provider must pay for your medical expenses according to the terms of your health plan. Health insurance plans all have different deductibles. The insurance deductible is the amount you are responsible for paying before the health insurance company begins to pay under the terms of the plan. If your plan has an HSA or an FSA, the money in these accounts can be used to pay for qualified medical expenses. Additionally, if you have unpaid medical expenses and receive compensation from another driver’s insurance company, the medical provider or your health insurance company is most likely entitled to demand that money from you.  

Kansas City Car Accident Attorneys

At the Krause & Kinsman Law Firm, we will put our experience to work to negotiate favorable settlements and court rulings to help you receive the sums of money that may be necessary to pay your medical bills. Nothing about being in a car accident is easy or convenient. We have years of experience helping our clients recover the costs of their medical expenses so they can pay their bills and move on with their life. If you have been injured in a car accident, do not hesitate to contact us with your questions by calling 816-760-2700 for a free consultation.  

Robert Kinsman is a personal injury, mass tort, business litigation, and employment discrimination attorney who practices in Kansas City, Missouri. He graduated from  the University of Missouri Kansas City School of Law and has been practicing law for several years now. Robert Kinsman is passionate about normalizing the life of his clients after they have been seriously injured. Learn more about his experience here.

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