Who Pays for My Hospital Bills After an Accident?

woman handling paperwork

It may have been recommended, or rather required, to rush to the emergency room from the scene of your personal injury accident. It may have gone that you needed to stay overnight at the hospital to be monitored or otherwise taken care of. What’s more, you may find yourself revisiting the hospital in the days, weeks, months, or even years following your accident to achieve a full recovery. With this, you may wonder how your ever-mounting hospital bills are supposed to get paid off. That is, you may be unsure whether to turn to your insurance provider or the at-fault party of your accident or simply rely on yourself. Well, continue聽reading to learn who should pay for your hospital bills after your accident and how an experienced New York City personal injury attorney at Mark L. Bodner, P.C. can help you receive your entitled payout.

Will my insurance cover my hospital bills?

Specifcally if your personal injury accident was an auto accident, you must refer to New York State’s no-fault auto insurance policy. This policy holds that all involved parties of an auto accident should seek reimbursement for hospital bills and property damages from their respective auto insurance providers. You must understand that this may apply regardless of the proportions of fault held amongst you and the other involved parties.

This is to say that, to cover your hospital bills, you must file a claim with your personal auto insurance provider. Then, you must wait to get word on their willingness to provide a settlement offer or their regret in denying your claim altogether. Unfortunately, insurance companies are notorious for lowballing settlement offers or unjustifiably denying claims. This is why we recommend you retain the legal services of a competent attorney before filling out and submitting yours. An attorney may also better understand how to communicate information or send payments between your auto insurance provider and the hospital.

Who pays for my hospital bills after a personal injury accident?

On the other hand, if your personal injury accident was anything other than an auto accident, you may forgo your personal insurance provider altogether. Instead, you may file a civil lawsuit against the at-fault party.

If your personal injury lawsuit is successful, it may end in a settlement agreement with the at-fault party’s insurance provider or a verdict by the jury. In either case, the at-fault party may be expected to send you a payout for your hospital bills within a couple of weeks. This is so long as they do not decide to file an appeal.

In the end, you must handle this payout wisely, as this may serve as your one and only chance for such financial aid. This means that you must properly allocate funds to your attorney’s fees, court costs, property damages, and all the other economic and non-economic damages you incurred from your accident. Of note, a talented attorney may assist you in these financial distributions.

There is no better time than the present to act. So please reach out to a skilled New York City personal injury attorney from Mark L. Bodner, P.C. at your earliest possible convenience.