The insurance company for the at-fault, or negligent, party will not pay for your medical bills prior to reaching a settlement or judgment in your personal injury case. This means you may need to fund medical treatment for months or years, depending on the severity of your injuries, before receiving any compensation for your medical bills.
There are many ways your medical bills may be paid pending settlement or judgment of your claim. The most common form of payment prior to settlement or judgment is through your Personal Injury Protection (PIP) coverage on your personal auto policy. This is no-fault coverage, meaning your insurance company must pay for your reasonable and necessary medical treatment no matter who is ultimately liable for your injuries.
Alternatively, your personal health insurance may pay for your treatment, subject to any co-pays or deductibles on your specific policy.
If you don't have either PIP or personal health insurance, it is often possible for your lawyer to negotiate with your medical providers to either hold your bills pending settlement or judgment or to negotiate a minimal monthly payment you make until your case resolves.
There are many options available in the absence of PIP or health insurance. The worst thing you can do is delay or not receive the medical treatment you need to recover. The sooner Lloyd Injury Law is involved in your case, the sooner we can work with you and your medical providers to find a solution and get you the treatment you need.