Injuries resulting from a car accident can lead to medical expenses. In a situation where the injuries are serious and require extensive treatment, it’s important to know how your medical bills are going to be paid. The following may help you understand how your medical bills will be covered if you have been injured in a car accident in New York.
Car insurance: If you were a resident of a “no-fault” state at the time of the accident, your own car insurance will primarily be responsible for your medical bills, regardless of who is at fault in the accident. You can make a “no-fault” injury claim under Personal Injury Protection coverage. However, there is a limit to what your own car insurance company will pay and the limit may differ from state to state. If your medical bills exceed your state’s “no-fault” limit, you are responsible for paying. You must file an application for “no-fault” benefits with your insurance company within 30 days of an accident.
The “no fault” benefits may cover the following necessary medical expenses:
- Emergency medical treatment
- Diagnosis and initial medical care
- X-rays, MRIs and other tests
- Nursing services
- Prosthetic devices
- Prescription medications
- Therapy and rehabilitation
- Any other professional medical services provided
If your accident occurred in a state that does not have no-fault insurance, you will generally be responsible for paying your medical bills.
Med Pay: Med Pay pays for medical bills of drivers or passengers injured in a car accident. It covers medical bills including hospital visits, doctor visits, physical therapy sessions, etc. After your medical bills exceed the policy limits, you will be responsible for paying.
Medicare or Medicaid: Medicare or Medicaid, just like Med Pay, also cover medical bills to the extent the regulations allow and upon exhaustion of no-fault and private health coverage benefits. It is important to note that Medicare does not reimburse paid bills. They will pay your medical bills, but not reimburse you for bills that have already been paid.
If you or a loved one has suffered injuries as the result of a car accident, you may be entitled to compensation. At Dervishi Law Group, P.C., our car accident attorneys understand how to effectively represent persons who have been injured. Our team has the knowledge and resources necessary to obtain the compensation you deserve. To speak to our car accident lawyers, call 917-300-0797 or 718-619-4525. You can also email us at email@example.com.