How Are Medical Bills Paid After a Car Accident?

Luke Krolak

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Luke Krolak

Client Operations Lead

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Published On

May 26, 2023

Published On

May 26, 2023

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Car accidents are frightening, and paying for medical expenses is the last thing anyone wants to stress about. However, it's crucial to understand the process of handling medical bills after a car accident to ensure that you receive the necessary medical treatment without being burdened by unnecessary financial worries.

After a car accident, your focus should be your recovery. So, learn about who is responsible for paying medical bills after a car accident, how to determine if your insurance policy will cover these expenses, and what steps to take if you don't have any health insurance policy.


Who Pays for My Medical Bills After a Car Accident?

Following a car crash, the at-fault driver's insurance company will typically cover the expenses for medical treatment. However, figuring out who is accountable for the accident can be complicated, particularly if more than one individual is implicated.

In the event that another driver is to blame for the car accident, their insurance company may shoulder your medical costs as the car accident victim. If you’re partially at fault, your health insurance company might be able to cover some of your medical expenses. In cases where the responsible party is uninsured or underinsured, you may need to rely on your own insurance coverage or pay for medical bills out-of-pocket.1

How Do I Know If My Insurance Will Cover My Medical Bills?

Determining whether your insurance will cover medical bills after a car accident depends on various factors. Most health insurance policies cover a portion of medical bills. You may be responsible for additional costs, including:

  • Deductibles
  • Co-pays
  • Out-of-pocket expenses

Some car insurance policies also offer medical coverage, depending on the terms of your policy. Additionally, if the other driver is at fault, their insurance company may be responsible for covering your medical bills. To determine whether your insurance will cover medical bills after a car accident, be sure to review your policy carefully and consult with your insurance provider.

What If I Don't Have Health Insurance?

If you don't have health insurance, navigating your medical bills after a car accident can be a challenge. Luckily, government healthcare programs like Medicaid or Medicare are designed to help people over a certain age and/or with limited income and resources access the care they need. If you're eligible for one of these programs, they may provide support for your medical treatment following an accident.2

In addition to government programs, many hospitals and healthcare providers offer financial assistance programs for patients who are unable to pay their bills. These programs can take many different forms, from discounts and payment plans to charity care and other forms of assistance. If you’re facing financial hardship due to medical bills, it's worth exploring these options to see if they can provide you with some medical payments coverage.

Finally, it's always a good idea to communicate openly and honestly with your healthcare providers about your financial situation. Most providers are willing to work with patients to develop a payment plan that fits their needs and budget. By proactively seeking out help, you can manage your medical bills and ensure that you receive the care you need without undue financial stress.

What If My Injuries Are Severe and I Can't Work?

So, what happens if your injuries are so severe that you can't work? Rest assured: there are several possible ways to help manage these expenses.

Disability insurance can provide benefits to cover medical bills for common car accident injuries and other expenses, but it's important to review the terms of your policy to understand what’s covered. A car accident attorney can also help you recover lost wages and other damages through a lawsuit if the accident was caused by someone else's negligence. Additionally, your attorney can help you negotiate with your employer to arrange a reasonable accommodation if you are able to return to work in a limited capacity.

You’ll also want to keep track of all medical bills and expenses related to the accident in order to receive the compensation you need to recover and move forward. Your lawyer can guide you through this process and help you receive the maximum compensation possible.

How Do I Get My Medical Bills Paid If I Win My Personal Injury Case?

Winning a personal injury lawsuit can significantly relieve those stressed about covering medical costs and other expenses after an auto accident. However, know that the process for obtaining compensation for medical bills can be very involved and lengthy. Your attorney will play a crucial role in helping you navigate this process and receive fair compensation.

In most cases, the liable party's insurance company will negotiate a settlement for medical costs, missed earnings, and other losses. If both parties can’t reach an agreement, the case may move to court, where a judge or jury will decide how much compensation you are entitled to.

Working with an experienced personal injury lawyer will be critical. They can help you prepare for trial and present your case effectively. Working with a qualified and experienced personal injury attorney who knows the legal process and can fight for your rights is critical. Then, you can focus on your recovery while your attorney handles the legal aspects of your case.

How Do I Get My Medical Bills Paid If I Lose My Personal Injury Case?

If your personal injury case is unsuccessful, there are a few more options available to help you with your medical costs.

Negotiating a payment plan with your healthcare providers can be an efficient method to manage your medical expenditures over time. And, as previously mentioned, there are government programs and philanthropic groups that give financial aid to individuals in need. Your attorney can assist you in exploring these choices to help provide some financial relief.

There is no shame in asking for assistance; resources are available to support you at this difficult time. Your attorney can also work with you to create a plan for managing medical bills and reducing the financial impact of the accident.

Understanding Your Options for Paying Medical Bills After a Car Accident

Navigating the process of paying medical bills after a car accident can be overwhelming, but understanding the options available can help alleviate some of the stress. The first step involves determining who is responsible for paying the bills, whether it's insurance companies, the at-fault party, or yourself.

Additionally, knowing when to see a car accident doctor, how long after an accident to see a doctor, what insurance coverage is available, and the out-of-pocket expenses to expect can help you plan accordingly. If you don’t have health insurance coverage, there are still options available, such as government programs, hospital financial assistance, and payment plans.

At Mighty, we understand the stress and confusion that can come with dealing with medical bills after a car accident. That's why we've built a list of attorneys that can help you navigate every step of your case. Head to Mighty's Car Accident Attorney Directory to find a trusted car accident attorney in your area today.



  1. Forbes. “Car Accident with No Insurance (2023 Guide).”
  2. HHS.Gov. “FAQs Category: Medicare and Medicaid.”
Luke Krolak

Written By

Luke Krolak

Client Operations Lead

About the author

Luke is a warm-hearted and highly skilled legal operations expert with an impressive 8-year track record in the personal injury field. As the Client Operations Lead at Mighty, he is dedicated to providing exceptional support, transparent communication, and genuine empathy to clients during their challenging journey. His expertise in streamlining processes and implementing cutting-edge technology makes him an indispensable ally for clients, case managers, and attorneys in their pursuit of justice.

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