Medical bills are typically the most expensive consequence of a car accident injury. Fortunately, Nevada law allows injured people to seek compensation for their losses after a collision, including past and future medical costs. At THE702FIRM Injury Attorneys, we can determine whether you have a valid personal injury claim in a free consultation. Call or contact us online to speak with a Las Vegas car accident lawyer.
Who is Responsible for Medical Bills After a Car Accident?
Typically, the at-fault driver’s liability insurance covers the medical treatment required by anyone they harm. The insurer will likely offer you a settlement to close out your claim. You must factor in all medical expenses when considering the offer because you cannot ask for more money later. If doctors don’t know whether you will live with permanent disabilities stemming from the wreck or your medical bills exceed the settlement amount, it’s wise to consult a knowledgeable car accident lawyer. Otherwise, you may have to pay any future or leftover costs out-of-pocket.
Can Health Insurance Pay for an Auto Accident Injury?
Your health insurance may cover auto accident injuries, depending on your coverage. A traditional health insurance policy typically covers medical expenses related to a car accident but not necessarily all types of injuries.
In addition, health insurance providers may require reimbursement for medical costs incurred from a car accident if you receive compensation from an insurance settlement or jury verdict. It is good to check with your health insurance company to learn their reimbursement policies and what exceptions would allow you to keep the settlement.
What if I Was at Fault for an Accident?
If you caused a crash, your auto insurance will likely cover the medical costs of anyone you injured. However, coverage amounts and specific terms vary according to the type and amount of insurance you have.
While your liability insurance will cover the other party’s medical expenses, it will not cover your injuries or any passengers who live with you. In that case, you would need to turn to other insurance policies, such as medical payments (MedPay) coverage or health insurance, to help cover the costs of medical treatment.
What if the Other Driver Has No Insurance?
An uninsured driver makes paying the bills more complicated. You will usually be covered up to your policy limits for your medical expenses if you have uninsured motorist coverage on your auto insurance policy.
If you purchased uninsured or underinsured motorist coverage, you could turn to your auto insurance company to pay for your medical bills. Another option might be to file a car accident lawsuit to seek compensation from the other driver. However, someone without auto insurance might have limited resources to pay you back. A knowledgeable personal injury attorney can review the terms of your insurance policy so you pursue compensation from all possible sources.
Get Help from our Las Vegas Car Accident Attorneys
Still, have questions or need help with your car accident claim? Our legal team is available 24/7 and can meet with you in any convenient location, not just our law office. Contact THE702FIRM Injury Attorneys today for a free consultation with a car accident lawyer in Las Vegas.
