Medical Bills After a Car Accident
Get a Top-Rated Pottstown Car Accident Attorney on Your Side
A victim’s first priority after being involved in a
car accident should be to seek immediate medical care for their injuries. Many people
erroneously assume that they must pay for their medical costs out of pocket
or through their own health insurance, creating a real financial struggle
for those who have high-deductible health insurance policies or no insurance
at all. Pennsylvania legislators created the Motor Vehicle Financial Responsibility
Law (MVFRL) to accommodate these situations, ensuring car accident victims
have access to the medical care they need regardless of their health insurance
coverage. If you are injured in a car accident you do not need a referral
from your primary care provider. All you need to do is provide your auto
insurance policy number or claim number to the medical provider, and the
medical provider will submit all bills to your auto carrier for payment.
There are no co-pays or deductibles.
Injured in a car accident? Get in touch with a Pottstown car accident lawyer
today to secure compensation for your pain and suffering.
What is the MVFRL?
The Motor Vehicle Financial Responsibility Law (MVFRL) creates a priority
of who is responsible to pay your medical bills in the event of a car
accident. Under the MVFRL, your own auto insurance policy should always
be the first party responsible for your medical expenses, regardless of
who was at fault and even if your own vehicle was not involved. All auto
insurance policies in Pennsylvania are required to have a minimum of $5,000
worth of coverage for medical expenses regardless of who is to blame for
the collision. This is also referred to as a “no fault system,”
and it has been adopted in many states across the country. This process
assures medical providers of prompt payment for medical care, even when
fault for the accident is being disputed by the other driver.
Once your insurance policy has paid for your medical bills up to the limits
of your policy, your health insurance should pick up the remaining costs.
It is important to note, however, that your health insurance provider
may have a right to be repaid for these remaining medical costs in the
event that you should receive a settlement for your accident from the
at-fault insurance company. If you do not have health insurance and you
were not responsible for the accident, you will be entitled to recover
compensation from the at-fault driver’s insurance for your out of
pocket medical expenses, even if you have limited tort coverage
If you do not own a car, you may be entitled to medical coverage under
the following circumstances:
1.Under any resident relative’s auto insurance, even if they or their
vehicle was not involved
2.Under the auto insurance covering the car you were in at the time of the collision
3.Under the auto insurance covering one of the other involved vehicles
Filing a claim for medical expenses will not increase monthly premiums
for you or the policyholder. In rare scenarios where none of the above apply, you may still be covered
under the Pennsylvania Assigned Claims Plan, an insurer-funded and state-administered fund.
Powerful Advocacy When You Need It
The last thing you need after being injured in a car accident is to struggle
with insurance companies while trying to receive the care you need. At
Mayerson Injury Law, our Pottstown car accident attorneys understand the
struggles you face and can handle the legal heavy lifting on your behalf.
With two generations worth of dedicated legal experience and millions
recovered on behalf of our injured clients, we can provide the strong
legal advocacy you need to get you through this difficult time as smoothly
as possible. Best of all, if we do not win, you will not pay us a dime!
Call (610) 492-7155 or schedule a free consultation
today to get started towards filing a claim.