When you are injured in an auto accident, the cost of medical bills can add up quickly. The problem is that you are not the driver and the driver of the vehicle may not have enough insurance to pay for all of your medical expenses. Recognizing your options can help determine the next step based on your goals.
Contact that Driver’s Insurer
The first step of paying for your medical bills is contacting the insurance company of the driver who caused the accident. Their liability coverage will usually pay for the bills, even if you were the passenger and not the driver.
If the amount is not enough to pay for your bills, then the driver of the car that you were may also be held responsible. That driver’s personal injury protection should provide additional funds to help pay for the bills.
When the funds are too limited to pay for the full extent of your medical costs or you are dealing with an uninsured driver, you may need to make a claim on your policy. Any policy that has uninsured or underinsured driver coverage will help pay for your medical expenses.
The amount of coverage that you have on your personal policy may vary, so it is important to recognize the maximum that you can claim before you assume that the full cost of your medical expenses will be handled.
Facing high-cost medical bills can be hard, especially when the driver who caused the accident does not have insurance coverage. Fortunately, there are alternative solutions to help pay for your expenses after an accident. Contact us to speak to an agent for more details about your options.