After a Truck Accident, Who Pays Your Medical Bills?

After a Truck Accident, Who Pays Your Medical Bills?
After sustaining injuries from a truck crash, victims often ask this question when consulting a truck accident lawyer: “I wasn’t at fault, so who’s going to pay my medical bills now?” As with most legal issues, the answer is nuanced. But a long explanation isn’t always feasible in these situations.

Your medical bills are piling up fast, sometimes as a result of the expensive treatments you are receiving for severe injuries, which are more likely to happen from truck crashes depending on the size and weight of the vehicles involved. If you or someone you love is worried about who’s going to pay your medical bills following a truck accident, this quick guide will provide you with the information you need to know.

Short Answer: The Negligent Party Is Responsible

In personal injury cases, the negligent party is responsible for paying the injured party’s medical bills and expenses.

If the truck driver was the negligent party, he or she (usually covered by the trucking company’s insurance) is responsible to pay for your reasonable and necessary medical care and treatment for your injuries suffered in the crash. This includes medical treatment that will need to be received in the future.

But it’s not quite that simple.

Trucking companies and their insurance companies will not pay your bills as they come in. Instead, the insurance company will pay your medical bills as a part of a settlement or verdict. Oftentimes, a case is not settled until years after the crash actually occurred. This can leave victims of truck crashes struggling to stay above water while waiting for their cases to be resolved.

During this time, they can rely on two methods to pay their mounting medical bills:

1. Health Insurance

Typically, you obtain health insurance to protect yourself from expensive medical bills from surgery or hospitalization, which may be needed after a truck crash.

The good news is that most health insurance policies are required to pay for your medical care, regardless of whether a crash caused your injuries. Upon arrival at the hospital or doctor’s office, provide them with your medical card and have them bill your health insurance company.

2. Medical Payment Coverage

Another option for people injured by a negligent truck driver is to utilize your medical payment (Med Pay) coverage through your own automobile insurance policy. Under your Med Pay coverage, your automobile insurance company will pay any medical expenses for you (and passengers) up to your coverage limits – no matter of who was at fault in the crash.

Lastly, if you have been injured in a truck accident, it is imperative that you speak with an attorney such as the Truck Accident Attorney Woodridge IL locals trust to further understand your rights.

Thanks to authors at Shannon Law Group for insight into Personal Injury Law.

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