Auto insurance in Walford, MD, includes bodily injury coverage to ensure that medical bills are paid. However, medical bills after a car accident work a little differently compared to regular doctor visits.
Treatment
It’s important to know that you’ll still receive timely treatment after an accident. Critical care will not be denied while the billing department handles the complexities of working with different insurance policies to pay the bill.
Lawsuits
Many car accidents result in lawsuits or settlements, particularly when the cost of medical bills exceeds the coverage limits. In these situations, you may receive medical bills in the mail with a payment request. However, you don’t need to pay the bill immediately.
Instead, keep the bills organized in a folder or filing cabinet as you receive them. When you go to court, you can ensure the settlement is sufficient to cover the medical bills. Once the bills are paid with the settlement money, you can keep the remaining funds. Always speak with an agent at BES & Associates Insurance after an accident to learn more about this process.
Insurance
Many car accidents involve short-term medical treatments, such as imaging tests. The other person’s insurance typically covers these costs if they were at fault for the accident. You may need to file a claim with their insurance company, or the hospital may contact them directly for payment.
If you are found at fault in an accident and don’t have coverage for your medical expenses, your regular health insurance will cover the costs.
Several factors influence how medical bills are handled after an accident. Experts at BES & Associates Insurance can help you navigate this process. Contact us today to learn more. We proudly serve the Walford, MD, area.
