If you were in a car accident that caused physical injuries chances are the medical bills are stacking up. In Virginia, there are three ways to pay for your medical bills: health insurance, car insurance, and Medpay. It is important to know who will pay the medical bills before your case is settled. Unpaid medical bills can result in detrimental damages to your credit and financial stability.
Eventually, you’ll send your medical bills to the insurance company of the person who caused the accident. However, until the case is settled do not expect your medical bills to already be paid for. By understanding your health insurance, car insurance, and Medpay you can depict who’s paying for your injuries without risking financial security.
1. Health Insurance
Health insurance is your personal health insurance. Typically, health insurance is the first form of payment for car accident bills (Medicare or Medicaid are exceptions). Most people with private insurance will have their bills covered automatically. Utilizing your health insurance can also secure that you receive all the car insurance compensation after your case is settled.
2. Car Insurance
Car insurance is the insurance from the person who caused the accident. Their car insurance compensates all payments from your medical bills. They also compensate for pain and suffering affected by the accident.
Medpay is an optional coverage on your own car insurance policy. Medpay is available to everyone riding in the insured vehicle and will pay the same amount that your health insurance paid on the bill. In most circumstances, health insurance reduces the bill, therefore, Medpay will additionally reduce the amount paid on the bill. Medpay is a helpful alternative for people without health insurance.
A car accident can cause severe emotional and physical injuries. By acquiring a helpful guide with health insurance, car insurance, and Medpay you can eliminate financial stress and start your journey to a safe recovery.
If you’ve suffered from a car accident in Virginia contact personal injury attorney Wayne O’Bryan to understand these three options when paying for your medical bills.
For more information about the three ways to pay for medical bills caused by a car accident call 804-643-4343.
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