Who Will Pay Your Medical Bills

If you are involved in a car accident, you may have injuries that require attention.  Make sure you seek medical care as soon as possible.  When it comes to paying for that care, you have some options. 

First, you could turn to your own health care insurance company to pay for that care.  Second, you could ask the insurance company for the responsible party to pay.  However, in most cases, they won’t pay until after you are finished with your treatment.  In all likelihood, your doctor won’t be ok with that.  After all, the doctor has a business to run. 

Third, you may have Medical Payments Coverage (MPC) available under your own auto policy.  If so, that usually covers your immediate medical bills fairly quickly.  Usual coverage provides anywhere from $2000 to $5000 in coverage.  In some cases, this is a great resource, especially if you don’t have health care coverage.  If you do have health care coverage, your MPC may kick in after your health insurance runs out or in the event they won’t cover your medical care for some reason.  Remember to discuss your situation with an attorney.  There may be good reasons to choose one avenue over another.