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My medical bills, deductibles, and co-pays for medical treatment are piling up. What can I do?
If you have been in an accident that is not your fault, the temptation is to not use your own health insurance to pay accident-related medical bills. This is a mistake. The insurance company for the other driver will most likely not pay your medical expenses voluntarily. If they do pay your medical expenses, it will only be when your treatment is completed and you have recovered as well as possible from your injuries. By then, your bills will likely have been sent to collections, adversely affecting your credit.
Your health insurance company is already set up to deal with this situation. If your health insurance company pays accident-related medical expenses, they have a right to be repaid by the insurance company of the other driver. This is something that health insurance companies deal with everyday. This is also something that good attorneys can help coordinate for you. Again, you should not hesitate to use your own health insurance to pay for accident-related medical expenses.
For deductibles and co-pays, most people have what is called “medical payments” coverage through their auto insurance policy. If you have this coverage, and every Wisconsin motorist certainly should have this coverage, you can submit your deductibles and co-pays to your own automobile insurance carrier. Just like the situation with health insurance above, your own automobile insurance carrier then has the right to be repaid by the other driver’s insurance company. Your own insurance company deals with hundreds, if not thousands, of these claims everyday. If you have medical payments coverage, you should certainly use it. After all, you are paying for it.
**If your specific question was not answered by the above, we encourage you to contact one of our expert attorneys. Any question that you may have concerning your potential case will be answered by one of our attorneys at no cost and of no further obligation to you.**