Who Pays My Medical Bills?
It goes without saying that the number-one focus for people injured in accidents should be their recovery. Serious injuries require costly and sometimes even life-long medical treatment, and unfortunately, when those bills pile up, recovery is often an afterthought.
No matter the type of accident that caused your injury, if you are asking yourself, "Who's responsible for paying my medical bills?" then we can help you.
Injured in a Car Accident?
If you or someone you care about were injured in a car accident, the details related to the crash will largely determine not only if you have a case, but who is liable for paying associated medical bills.
If you were in an accident, you may be eligible for compensation for lost wages depending on the insurance coverage you carry. If you have disability benefits at work, your employer will cover you.
These insurance policies are known as "first-party benefits," and generally cover your medical bills up to the coverage limits you chose. When those benefits max out, your health insurance benefits kick in.
Don't have insurance? You could be eligible for Medicaid and/or Medicare.
The bottom line is that your auto insurance coverage is always your first line of payment, regardless of whether you are the victim or the driver at fault. Your own auto insurance covers you, whether you were injured in your own car, in a friend's vehicle, or as a pedestrian.
Things get more complicated if you don't own a car and nobody living in your home has car insurance coverage. In these cases, you should submit your medical bills to the auto insurance company insuring the vehicle in which you were a passenger.
After those benefits are exhausted, additional medical bills go to your personal health insurance, Medicare or Medicaid.
It is important to note that your medical bills will not be paid until the case is settled. In the meantime, our legal team will advise you on the best way to handle those debts while your case is still active.
Confused yet? We understand. Pennsylvania insurance rules are confusing and complex, which is why we recommend car accident victims never try to settle their claim alone. The system is stacked against you, but our car accident injury attorneys even the playing field. We get you the money you deserve for lost wages, medical bills and more.
Injured on the Job?
If you've been hurt on the job, who is liable for paying your medical bills and compensating you for lost wages depends on the details surrounding your injury. In most cases, you will be eligible for Pennsylvania workers' compensation benefits, and in others you may be entitled to compensation from a personal injury case.
It's important to stress that you cannot file a personal injury case against your employer or coworkers—even in situations where they were responsible for your injury.
That said, if a company other than your employer caused your work-related injury, you could have a third-party claim. Examples could be the manufacturer of a defective machine or another contractor working on your job site. These are accidents that result in an injury that occurs at a worksite, but are not the responsibility of your employer.
Don't attempt to handle third-party claims by yourself. Instead, rely on our personal injury and workers' compensation attorneys. Our experienced legal teams will work together to get you the money you are entitled to. Contact us today for a free case review.
Injured in a Slip-and-Fall Accident?
Slip-and-fall accidents can lead to emergency room visits, time off work and even life-long medical appointments, which is especially frustrating when it was due to the negligence of someone else.
The bottom line is that property owners need to ensure their facilities are free of hazardous conditions such as:
- Wet floors
- Improperly lit areas
- Tripping hazards
This is called premises liability, and there are three different kinds—homeowner liability, business owner liability, and renter and landlord liability.
Understanding the ins and outs of these different types of insurance policies and helping injured people get the money they deserve has been our business for over 35 years. If you or someone you care for has been seriously injured because of someone else's negligence, call our experienced slip-and-fall attorneys today for a free case review.
How We Can Help
When you're hurting, the last thing you want to do is navigate policies, get hassled by insurance agents, or handle collections calls. And with Edgar Snyder & Associates, you won't need to—we'll help you every step of the way.
Our experienced legal team will:
- Make sense of your insurance policies and coverage limits
- Help you apply for medical assistance
- Handle confusing paperwork
- Negotiate the reduction of outstanding medical bills
- Advise you on the best way to handle medical debts while your case is active
If you're recovering from an injury, don't wait to call us—accident victims have specific time frames by which they must file claims. Call Edgar Snyder & Associates today. There's never a fee unless we get money for you.