If you’ve suffered injuries after being involved in a motor vehicle collision, you are probably wondering how you are going to cover all of the expenses that are being incurred.
Fortunately, when your accident has been caused by the negligent actions of another, you can hold them accountable for their irresponsible choices when you file a personal injury claim against them. This will allow you to recover compensation for your suffering.
Some of the most critical damages you probably endured are medical expenses. The cost of healthcare in the United States is extremely high. With that being said, you’ll want to make sure that the liable party’s insurance company, or your own, covers the maximum amount of your medical expenses allowable as per the limits of the insurance policy in question.
From there, your own health insurance should cover certain medical costs, depending on the details as outlined in your policy. Whatever the health insurance policy doesn’t cover will need to be covered by the at-fault party when we bring your car crash claim against them. Continue reading to learn more about when the auto insurer covers your medical expenses and when your health insurance will kick in.
Before your health insurance covers any of your medical expenses, it will be the responsibility of the auto insurance policy of the culpable party to cover these costs. This insurance provider will likely not cover all of your medical costs but rather the maximum amount based on the limits of the purchased policy.
Every driver in the state is required to carry auto insurance, and this will include a component referred to as bodily injury liability (BIL). With BIL, the auto insurance company will cover any bodily injury expenses (like your medical bills) up to the maximum amount purchased by the policyholder.
For example, let’s say the at-fault driver’s policy carries $25,000 in BIL coverage. Their auto insurance provider would then be cleared to cover up to $25,000 in your medical expenses. If your total costs exceed this amount, that’s when your health insurance will begin to cover your costs.
Once the auto insurer has done their part, your own health insurance will start to cover some of your costs. It’s difficult to say which expenses your own insurance policy will cover, as they are all different with different provisions. However, you can expect your health insurance policy to still require you to pay the deductible, your co-pays, and any of the costs that the insurance company is refusing to cover.
At this time, rather than you being stuck with these remaining expenses, it would be smart to begin working on your personal injury claim against the person or persons who are responsible for the cause of your accident and subsequent injuries. Through this claim, the full extent of your medical expenses will be covered, and you won’t be responsible for paying out on the costs of damages you sustained.
When you need help getting your medical expenses covered after being involved in a motor vehicle accident, enlist the help of a highly trained car accident lawyer at Craig Swapp & Associates.
Our firm will do everything we can to achieve full compensation for the damages you endured. You can schedule your initial consultation today by giving our office a call at 1-800-404-9000 or by filling out the quick contact form below.