Who Pays for Medical Bills in a Car Accident in Texas?
Medical bills after a car accident can pile up. Some drivers can end up with severe injuries they must treat with medical attention. However, if they are not the party responsible for the crash, they should not have to pay. When it comes down to it, who is responsible for paying for medical bills after a car accident in Texas?
Normally, the at-fault driver's insurance covers medical bills and any other property damage. This is because Texas is an at-fault state. The party who caused the accident must pay for any of the damages.
Most of the expenses fall on their insurance company. Therefore, all drivers in Texas cannot operate a motor vehicle without being insured. The minimum policy must cover:
At least $30,000 for personal injuries to an individual
At least $60,000 for personal injuries to multiple people
At least $25,000 for property damages
The minimum is often referred to as 30/60/25 coverage. However, drivers can enhance their policy with other features, such as collision coverage and medical payments insurance.
Medical Expenses Covered in the Aftermath of an Accident
Many medical issues can arise after a car accident. However, some victims may be unsure whether their ailment is a part of the medical costs covered by an insurance provider. Every insurance company is different, so policyholders should be aware of what their car or health insurance covers. Otherwise, most providers can aid with these medical expenses:
Medical treatment, including physical therapy
Emergency room bills
Future medical costs
The other driver's insurance company should pay for the above-mentioned expenses. If they find other health expenses related to the accident, they can communicate further with the insurance provider for fair compensation.
Paying for Medical Bills After an Accident in Texas
Immediately following a crash, many car accident victims must seek medical attention. There is no time to identify which driver is liable and whose auto insurance provider should cover medical expenses. That means the driver has to find the best way to get coverage for medical bills promptly. They can seek aid from any of the following:
Drivers covered by a health insurance company can get immediate compensation. Often, the company pays for the upfront medical bills after the policyholder pays their deductible.
If the driver is not liable for the accident, the health insurance provider can initiate insurance subrogation, which is the process of requesting repayment from the other driver's insurance company.
Victims of a car accident may have to seek compensation from their auto insurance company. This is only if the at-fault driver does not have liability insurance or if their situation is a hit-and-run.
Some policyholders may have personal injury protection. Auto insurance companies offer this feature to cover initial medical care and seek compensation from the other driver's auto insurance carrier.
Personal Injury Lawsuit
Filing a lawsuit can also be a way to get medical bills paid. This is only if someone else was involved in the accident or the process of sorting out medical treatment payment is unfair.
A personal injury lawyer can help victims build a strong case and determine the probability of winning. They can also write a letter of protection that assures the medical bills are paid upon reaching a settlement. Schuerger Shunnarah Trial Attorneys can help with other questions such as, "Who's at fault in truck tire blowouts?"
Can Drivers Seek Immediate Medical Care after a Car Accident?
In the case of many car accidents, drivers must receive medical attention immediately. Therefore, victims may get medical care immediately after a crash if necessary.
If seeking medical treatment is not a necessity for any of the parties involved, the drivers should swap contact information and insurance providers. Then, anyone involved can visit their primary care physician for a physical check-up and be sure that they are healthy. Any further medical bills can be paid after determining who is the at-fault driver.
How Car Accident Injury Lawyers Can Help
An experienced car accident attorney can assist victims of a car accident in Texas by conducting an independent investigation. They can determine who is at fault and use the evidence to ensure the victim gets all medical bills and future medical expenses paid.
Sometimes, car accidents can be caused by something other than a negligent driver. Mechanical issues with a vehicle that are not the fault of the driver can also contribute to serious injuries and damage. If this is the case, a personal injury lawyer can be beneficial in filing an insurance claim or going to court for a lawsuit.
Likewise, if a driver feels they are being accused wrongfully as the at-fault party, they can seek the assistance of car accident attorneys in Dallas. They can identify further evidence of the crash and prove the other driver is liable for the accident. This can be a challenging process for someone not experienced in law, so an expert attorney can help seek justice. The lawyer and the client work together so that the rightful party pays for all damage compensation and medical bills.
Working with a car accident lawyer can help parties involved in a crash receive the reimbursement they deserve.
Contact Us - We Go to War for You
Anyone involved in a car accident in Texas undergoes a lot. They are responsible for things that go beyond recovering from the crash itself. They may file an insurance claim and be sure the responsible party's insurance provider does not avoid paying for compensation.
Unfortunately, it is not uncommon for an insurance company to jump through holes to avoid paying for bills and repairs, though they are required to. Victims should contact the trusted legal team at Schuerger Shunnarah Trial Attorneys when this happens they can also advise on questions like, "Does the at fault driver pay for rental car in Texas?"
The victim can consult an experienced attorney to review their case, outline the facts, and determine who is at fault. From there, they can work together to reach a just settlement.
Contact us today for reliable assistance and work with an attorney who knows the case inside and out.
We go to war for you!