If you were in a serious wreck, you probably have some injuries to deal with afterward. Even minor accidents, such as rear-endings, can result in whiplash and aches and pains. Going to a doctor may be your only choice, but how do you pay for the costs? The amount insurance covers depends on who was at fault for the collision and your state laws. Here’s a rundown of who pays your bills after an accident.
You Were at Fault
If you caused the accident, you can really only turn to your insurance company to pay the bill. While liability coverage is mandatory in most states, coverage for your own injuries is usually optional. If you have this coverage, you can make a claim with your insurance company. If you do not have medical payments coverage or personal injury protection on your policy, you may have to pay your bills out-of-pocket.
The Other Driver Was at Fault
If the other driver caused the accident, you’ll make a claim with their insurance. While you should still let your insurance know about the crash, they are not responsible for paying your bills. This is why getting the other driver’s information right after the accident, including name, insurance company and contact details, is so important. You will file a claim with their insurance once you’ve assessed your injuries and expenses.
No One Was at Fault
Some states run by no-fault laws, which simply mean that you cannot file a claim with another person’s insurance. Instead, everyone must file with their own insurance. It doesn’t matter who caused the accident. In these cases, you must have injury protection coverage on your policy to get bills covered. Any damages to your vehicle may be covered in other optional policies as well.
Talk to a Lawyer
If you are struggling getting properly compensated for your medical bills, there could be a handful of problems. Even if the fault is entirely clear, insurance companies may battle over who has to pay the most. Obstacles tend to only grow larger when your bills are hefty and you need a significant amount of compensation money. A car accident lawyer like one from Tuttle Law, P.A. can help you file a claim for the worth of all your medical costs. They can negotiate with insurance and represent you in court if things get that far.
Many people are afraid to hire a lawyer because of cost, but car accident lawyers don’t get paid unless you do. Make an appointment with a few today to pick a lawyer suited to your needs.