You have been injured in a car accident in Connecticut. There are probably many questions running through your mind. One may be “how will my medical bills be paid?” After all, even one visit to the emergency department can cost thousands of dollars depending on the level of care you require and the number of tests you receive. First, do not expect the other driver’s insurance company to pay your medical bills. That company is not obligated to do so. While ultimately the at-fault driver’s insurance company may make an offer to fully settle the case, the company will not pay your medical bills in the short term, as they become due. Depending on your situation, your medical bills should be covered by your own insurance. If you bought medical payments coverage with your auto insurance policy, that coverage will pay for accident related medical treatment, up to the coverage limit. If you do not have medical payments coverage or your medical bills amount to more than your medical payments coverage limit, your health insurance should pay for your treatment, just like it would for any other illness or injury. Sometimes, a billing department at a doctor’s office thinks that health insurance will not cover car accident related treatment. This is incorrect. If you do not have medical payments coverage or if that coverage has run out, your car accident related treatment should be processed by health insurance (subject to whatever co-pays, deductibles, or network restrictions apply to your coverage). Finally, if you do not have either medical payments coverage or health insurance, you may still be able to get medical treatment for injuries sustained in a car accident. Some doctors, chiropractors and physical therapists will agree to treat you, as long as you agree to pay them when your case settles. If you were treated at the emergency department as a result of the accident, most hospitals will let you pay your balance over time, in small amounts.
