A car accident can be a traumatic experience, and the last thing you want to worry about is how you’re going to pay your medical bills. Fortunately, however, there may be several options to get your medical bills paid following an automobile accident in Nevada.
If you have suffered injuries in a car accident and want to know how to pay your medical bills, speak with our knowledgeable lawyer at Cameron Law. Our car accident lawyer can explain all options for compensation that may be available to you based on the circumstances surrounding your crash.
4 Options to Get Your Medical Bills Paid After a Car Accident
If you were injured in a car accident in Las Vegas or other parts of Nevada and incurred medical expenses, there are several options available to pay your medical bills. You can file a personal injury claim against the at-fault driver’s insurance company, use your own health insurance, use med-pay coverage through your auto insurance policy, or work out a lien agreement with your healthcare provider. Let’s take a closer look at each of these options:
1. Filing a Personal Injury Claim Against the at-Fault Driver’s Insurance
If the accident was caused by another driver, you may be able to file a personal injury claim against their insurance company. Nevada is an at-fault insurance state, which means injured victims must file claims against the at-fault driver’s insurance provider to recover damages. However, it can take some time to receive payment from an insurance company, so this option may not be ideal if you need immediate assistance.
Note: According to the Insurance Information Institute (III), more than 10% of all motorists in Nevada are not insured. If the at-fault driver does not have auto insurance, you can pursue compensation for your damages, including payment of medical bills, through your own auto insurance policy if you have uninsured motorist coverage.
2. Using Your Health Insurance
If you have health insurance, your policy will likely cover some of the costs associated with your car accident. However, you may still be responsible for paying a deductible, co-payment, or co-insurance.
3. Using Your Med-Pay Coverage
If you have med-pay coverage through your auto insurance policy, you can use those funds to pay for medical bills related to the accident. Med-pay coverage is typically available in small amounts, so it may not cover all of your expenses.
4. A Lien in Lieu of Immediate Payment to a Healthcare Provider
In some cases, your healthcare provider may agree to place a lien on any potential settlement amount in exchange for immediate payment of your bills. This means that they will only be paid if and when you receive a settlement from the at-fault driver’s insurance company or through mediation/arbitration. If you do not receive a settlement or award, they will not be paid.
