Accident victims often face financial pressure, with mounting medical expenses most people can’t afford to pay. In addition to emergency room bills, you might be expected to pay for continuing treatment, tests, prescription medications, and physical therapy long before your personal injury attorney collects a settlement. Below is an overview of what to expect and who is responsible for your medical expenses after an accident caused by someone else’s negligence.
If You Have Health Insurance
If you’re covered by health insurance, your insurer is responsible for any treatments covered by your policy. However, you are still expected to shoulder the cost of co-pays, coinsurance, and any expenses required to meet your deductible. Accident victims also must pay for any treatments or services not covered by their existing health insurance policy.
When you do receive an insurance settlement, your health insurance company may expect to be compensated for their losses. Whether the health insurance company can properly obtain reimbursement is a complicated issue in Montana that depends on numerous circumstances – obtaining competent legal advice can benefit you greatly.
If You Don’t Have Coverage
Unfortunately, those without health insurance are expected to cover all of their medical bills until their personal injury attorney settles the case. For this reason, the Montana Supreme Court in Ridley v. Guaranty National Insurance Company held insurance companies responsible to pay an injured party’s medical bills before a final settlement is reached, where liability for the accident is reasonably clear. (For more information on this law, click here.)
Depending on the circumstances, this may take several months, by which time victims are often saddled with medical debt totaling tens of thousands of dollars.
In this situation, the wisest approach is to hire a personal injury attorney who knows the ins and outs of the laws that can protect you and can best help you navigate this stressful time.
If you’ve been injured through no fault of your own, the personal injury attorneys at GrizzlyLaw will ensure you receive the medical care you need. Since 1997, they’ve delivered aggressive representation and positive results to victims throughout Flathead County, MT, building an impressive track record of success. To learn how they can help after an accident, visit their website today. Call (406) 752-7122 to schedule a free initial consultation.