A car accident is not an event you ever want to experience. When it happens, and you face an unexpected injury, you may wonder who will pay.
Accident injuries may range from cosmetic to more serious. No matter where your injuries land on the spectrum, you may require some level of treatment. When the road to recovery leads through a hospital, doctor’s office or rehabilitation facility, knowing whether your car or health insurance foots the bill may ease some of the stress.
Get the medical treatment needed
Waiting for the at-fault driver’s insurance company to pay may take too much time. Delaying continued treatment for your car accident injuries may not prove beneficial for your recovery. As such, if you have medical insurance, use it first.
Seek medical payments if applicable
You may submit medical bills and claims to your insurer if you have medical payment coverage. Understand, however, that these bills will process slowly. You should not submit bills that need immediate attention since the last thing you need to worry about is a collection account.
Pursue a personal injury claim
Once your recovery gets far enough along, and the insurance company has found fault, you may want to move forward with a persona injury claim. This allows you to recover money from the responsible driver and the insurance company that holds the policy. Note that any medical reimbursement you receive in damages will go to pay back your health insurance company first. In a personal injury suit, however, you may recover money for pain and suffering.
After a crash, your recovery is the most critical issue to concentrate on.