If you are involved in an auto accident and are not at fault, the insurance company for the other party will pay for your medical expenses. If this is the case, the insurance company will reimburse you for your medical expenses, including hospital bills. However, the insurance company does not pay the hospital directly. Instead, they will reimburse you for your medical bills through your personal injury settlement. Depending on the circumstances, you may have to pay your own medical bills.
In some instances, the health insurer will try to recover money for medical expenses from the injured party, which is often illegal. This practice is known as balance billing, and states are passing legislation to prevent this practice. However, it is also possible for health insurers to recover the monies paid on behalf of an injured party through a process known as subrogation. The injured party should not be responsible for the difference between the two bills.
When seeking a personal injury settlement, it is important to contact an attorney who understands the obligations of the insurance company. Personal health insurance generally covers the costs of medical bills and co-pays. If you’re not covered by insurance hertube, you’ll have to pay for these out-of-pocket expenses out of your own pocket. A personal injury lawyer can negotiate a percentage of the settlement amount for your medical expenses.