In the unfortunate event that you find yourself involved in an accident, you may need to seek medical treatment at some point. This question will arise; Who will pay for my medical bills. This happens in any type of case whether it is an automobile accident, slip & fall, work related injury or any other type of personal injury. If you have the misfortune of having no insurance coverage whatsoever, the answer is an easy one. If you incurred the medical treatment and the bills remain unpaid, you may be responsible to pay those bills. The party who caused your injury may also have responsibility for paying you for the unpaid medicals when and if a lawsuit is filed.

The more complicated issues arises when you do have insurance coverage and that insurance company makes payments to your medical providers.  Do you have to pay back those insurance companies, because they may have a lien on your lawsuit? The most common liens are payments made by a worker’s compensation insurance carrier and a Medicare lien by the United States Government. These are liens that must be paid back to the respective insurance companies. These are severe consequences in the event that these liens are not paid back. The thought process is that the insurance companies are entitled to reimbursement in the event that the injury was caused by some third-party.

In the event that you are involved in an automobile accident and have the benefit of having automobile insurance coverage that covers medical treatment, every effort should be made to submit these medical bills to your automobile insurance company. The benefit to you is if the medical bills are reduced by the insurance company as being excessive, you are not responsible for paying that medical bill to the respective provider. (Unless you agreed in writing with that provider to other arrangements) This coverage is limited by the amount of coverage that you purchased prior to the accident. This issue of how much coverage one should have is covered by another Blog entitled: Your Automobile Insurance Policy: What do all those policy limits really mean?

New York and New Jersey Accident Lawyers

If you are seriously hurt in an accident, the attorneys with Ginarte may be able to help. Contact our New York and New Jersey construction accident lawyers today for a consultation on your case by calling (888) GINARTE.