After a North Carolina traffic collision, it’s understandable that you might wonder how medical bills are paid after a car accident and where the compensation for your medical treatments will come from. Who pays for medical bills after a car accident? There may be several options, but you might be able to seek compensation through an auto insurance claim to avoid having to pay out of pocket for these expenses.
How Stewart Law Offices Can Help You Determine How to Pay Your Medical Bills
Our lawyers can figure out your options for medical bill payment can be paid by investigating the accident and identifying any at-fault parties. We can gather the evidence necessary to seek to hold the at-fault parties liable and make settlement demands on your behalf with the at-fault parties’ auto insurance providers.
Who Pays for Medical Bills After a Car Accident?
Does car insurance pay medical bills? In North Carolina, in most cases, the at-fault driver’s liability coverage policy typically covers medical bills if it determines that its insured was legally responsible for the accident and had valid insurance at the time of the collision. The state requires that all drivers have the following minimum liability coverage:
- $30,000 per person for bodily injury
- $60,000 per accident for bodily injury
- $25,000 per accident for property damage
Depending on the severity and extent of your injuries and the at-fault driver’s insurance policy limits, it may be necessary to seek additional compensation through other avenues.
If the at-fault driver doesn’t have insurance coverage, you can file an uninsured motorist claim with your insurance provider. Uninsured motorist coverage is designed to provide compensation if the at-fault driver doesn’t have insurance or if they flee the scene and cannot be identified. If the at-fault driver doesn’t have sufficient insurance, you can file a claim under your underinsured motorist coverage.
Can I Use My Own Auto Insurance?
Under certain circumstances, you can use your own auto insurance to cover your medical bills. North Carolina insurers can offer optional Medical Payments (MedPay) coverage, which helps pay for accident-related medical expenses up to your policy limits. If you opted to purchase medical payments coverage, you can use it to cover your medical expenses after an accident. You can use your MedPay coverage regardless of who was at fault for the accident.
If the at-fault driver’s insurance policy limits prevent you from recovering the full compensation you need, you may be able to file an underinsured motorist claim with your insurance provider. Underinsured motorist coverage must be included on any insurance policies with limits above the mandated minimum.
Contact Our North Carolina Car Accident Lawyers
If you were in a North Carolina car accident and need help with your car accident medical claim, contact Stewart Law Offices for a free consultation with an experienced injury lawyer. You can come to our office, which is located in Charlotte, or we’ll come to you. We’ll send a qualified attorney, not a staff member, to personally visit you at home or in the hospital to discuss your case, if that is your preference. Our lawyers are also available 24/7 to answer your calls and return messages.
When you work with our firm, we’ll communicate with you regularly as your claim progresses, treat you with the respect and compassion you deserve, and fight for the maximum compensation you need. In a recent case, our lawyers secured a $1 million settlement for a client who suffered major orthopedic injuries in a car crash.*
We don’t charge any fees unless we obtain money for you.** Don’t wait. Contact our personal injury law firm today to get started.
