Who pays my medical bills after a car accident?

It is extremely important to seek medical care when you have suffered injuries in an accident. Many victims, however, hesitate to obtain the treatment they need because they are worried about the cost of care. Ideally, the responsible party will be held accountable through the courts and provide the necessary compensation. This can take time, however, so what are injury victims to do? How can you address your current medical needs and financial obligations?

Auto Insurance May Cover Your Medical Bills After an Accident

Both Wisconsin and Minnesota have specific rules about what auto insurance must cover. Every driver must secure insurance in certain amounts to cover property damage and bodily injury sustained in an accident. This insurance may pay medical bills for these injuries, depending on your state and coverage, as follows:

  • Wisconsin. Mandatory bodily injury insurance provides payment related to the injuries the insured causes to others on the road. Drivers can elect to purchase medical payment coverage for injuries they themselves may suffer in an accident. Insurance companies must offer this policy, though Wisconsin drivers may choose to reject the coverage.
     
  • Minnesota. Drivers are required to carry Personal Injury Protection (PIP), which provides payments for medical expenses, wage loss, and more that they suffer in an accident. Minnesota is a no-fault state, which means drivers must exhaust their own PIP policy before seeking compensation from the responsible party.

These insurance policies are meant to ensure that drivers are able to obtain the care they need after an accident. If you or someone you love has elected not to purchase this insurance (in Wisconsin) or are nearing the maximum of your policy (in Minnesota), there may be other options.

Private Health Insurance and Medical Assistance Programs Can Help

When an auto policy cannot provide the care that is necessary, it may be necessary to turn to your own private health insurance. It will pay the medical bills as they arrive, although victims should note that the insurance company may have the right to be reimbursed from the award a victim may receive in a personal injury case.

Additionally, for those with limited auto insurance and no health insurance, it is possible to take advantage of assistance programs or work directly with a doctor or institution until a settlement or verdict is reached in your case.

If you or someone you love has suffered injuries in a car accident, help is available. Call the Menomonie or Eau Claire office of Wagner Law, LLC to speak to one of our attorneys and learn more about your options today.