I was injured as a passenger in a car and my medical bills are piling up. What should I do?

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.

Uninsured Drivers

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.

Why do I need to insure my vehicle?

Every state has laws in place that require drivers to carry a minimum amount of auto liability coverage. Most people choose to buy an auto insurance policy, but in certain circumstances, you can meet state financial responsibility requirements by posting a bond equal to the state-mandated liability amounts.

You may ask why should I have to insure my vehicle and not have to insure my life? Is my life not worth more than a car? Before you start thinking that your life is closer in value to that of a Ford truck and not a Rolls Royce, take a breath. Auto insurance is not always about you. In fact, if you own your car, you do not have to buy coverage that protects you or your car.

You need to have insurance on your vehicle because it has the potential of causing property damage, personal injury, and even death to other people. Our judicial system is based on tort law. What that means is that if you cause injury or damage to another person or their property, you are responsible for paying for their loss. Liability coverage is also required in no-fault states.

If you buy a new car and have to make monthly payments to the finance company, you will probably have to fully insure your vehicle. You must add collision and comprehensive so your vehicle is covered for damage or loss. After paying off your car note, you can elect to reduce your coverage to the minimum amount required by your state.

Other than liability coverage, you may not need to purchase additional insurance coverage. If you own your car free-and-clear, you are free to take your chances that it won’t be in an accident, it won’t be vandalized, and it won’t be stolen. Whether you buy full coverage when you don’t have to depends on the value of the vehicle and how much risk you are willing to assume.