Medical Bills After a Car Accident in Montgomery, Chester & Berks Counties

Get a Top-Rated Pottstown Auto 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 auto 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.

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 an auto 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:

• Under any resident relative’s auto insurance, even if they or their vehicle was not involved
• Under the auto insurance covering the car you were in at the time of the collision
• 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, P.C., our Pottstown auto 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!