How Do I Get My Medical Care Taken Care Of After A Car Accident?

The Roth Firm

The Roth Firm

If you're ever involved in a car accident, one of the first things you need to do is seek medical attention.

If your injuries are bad enough, you will be whisked away from the scene on an ambulance and be taken care of immediately on site.

If your injuries are only minor bumps and bruises, you should still seek medical attention.

Even if you don't show any signs of injury, it is still a good idea to get checked out.

Sometimes because of our endorphins and adrenaline, we won't notice any pain or symptoms of our injuries.

That's why you should always seek professional medical care after a car accident.

In addition to it being beneficial for your health and recovery, seeking medical care will also provide critical evidence if you have to make a claim for compensation.

Your medical care will be an important factor in proving your injuries as a result of someone else's negligence.

Below we will talk about how to get your medical care taken care of after your accident.

See Your Doctor When Symptoms Develop

If you don't go to the doctor or hospital immediately after your accident, you aren't out of time yet.

There are many instances where clients eventually see a lawyer and tell them that they didn't feel any pain on the scene of the accident or even on the same day.

But the next morning or a couple of days later they felt like they had been dropped from a ten story building.

Stories like this happen often, and they are credible, not just a money grab.

It can take several hours, days, or even a week for injuries or discomfort to register with car accident victims.

The important thing to remember is this: go to the doctor as soon as you develop symptoms from your accident.

These symptoms can include pain, numbness, dizziness, and feeling "off."

No matter what the issue is, please don't assume it will go away on its own.

See a doctor so you can be sure there are no underlying issues caused by your accident, and so you can have your medical bills taken care of if it was due to someone else's negligence.

Continue Treatment Until You Are Told To Stop

If you've been in to see a doctor after your accident or when your symptoms developed, you need to follow the treatment plans exactly.

Once you've been diagnosed with an injury and your doctor begins a treatment plan, you should continue the course of treatment until your doctor releases you from it.

There are two main reasons why you need to follow your doctor's instructions carefully.

The most obvious reason is that your doctor is in the best position to determine how injured you are and prescribe the best treatment for you.

Your doctor will help you recover quickly and make you as comfortable as possible while you recover.

The second reason is that your medical records are the best way to document and verify the nature and extent of your injury.

They will also document the course and duration of your treatment.

This verification is essential if you eventually have to make a car accident injury claim.

Again, medical bills and medical treatment play a major role in calculating damages in your personal injury case.

If you fail to finish your treatment plan or follow the instructions properly, it will downplay the significance of your injury, and people will assume you're just in it for the money. 

Should I Use Health Insurance?

Now you have to figure out how your medical bills will be paid for.

If you have health insurance that will take care of your medical bills, you should use your health insurance.

If you're worried about your insurance covering your bills even though the accident wasn't your fault, don't.

If you're involved in a car accident, your health insurance policy will pay the bills up front and seek reimbursement later.

The reimbursement will either come from a third party, or they will take it out of your settlement as soon as it's awarded.

The medical care provider will likely put a lien on your settlement so they can be paid for their services.

However, some medical providers won't see you under health insurance for certain types of accidents.

That's mainly due to health insurers giving them the runaround about paying when there is a third party insurer involved.

For the most part, though, medical providers are obligated to provide you with care following your car accident.

Should I Use Medicare or Medicaid?

If you check out the Medicare website, you will see that they specifically state that they are secondary to any other insurance you may have.

You or your medical providers aren't supposed to file a claim with Medicare if you have another insurance company to recover from.

If Medicare is your only option, they will function just like a typical health insurer.

If you weren't at fault, they would seek reimbursement from any settlement or judgment you obtain from your personal injury case.

Can I Use Car Insurance?

The at-fault driver's insurance company will generally not pay for your medical care as you receive your treatment.

It's a standard practice to wait until after a judgment is received to take care of any medical bills.

They also won't advise you on seeking care either. So don't ask their insurance company for advice because it is in their best interest to keep the costs down.

Any delays and gaps in your care work to their benefit.

Your insurance should help seek medical care if your plan has personal injury protection or MedPay coverage.

Both of those coverages can help cover initial bills, copays, and deductibles for medical care.

The amount of care they will help cover depends on the coverage you've chosen, so be familiar with your plan.

Some policies will also cover physical therapy and chiropractic costs.

What If I Don't Have Insurance?

If you don't have any insurance, don't worry, all hope is not lost.

Without health insurance, coverage on your auto insurance, or Medicare or Medicaid, there will still be ways to obtain the medical care you need to recover from your injury.

Your attorney will play a major role to ensure that you receive the medical care you need.

They can do things like issuing a letter of protection. A letter of protection simply states that your medical bills will be paid out of your settlement.

If you don't receive a settlement, however, you would be responsible for the bills.

That's why hiring a good attorney is another important step in this process.

Hire An Attorney To Help

This process is admittedly confusing and involves a lot of moving parts and red tape.

On your own, it can almost feel impossible to receive the medical care you need and get it paid for by the responsible party.

That often involves filing a personal injury claim, so you are sure you don't have to pay for your injuries that were no fault of your own.

A good attorney will take you by the hand and guide you through the entire process.

They will not only make sure you receive all the medical care you need, but they will also be sure you get your payments taken care of.

DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

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