Information Booklet for Personal Injury Clients
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Your lawyer will discuss the payment of your medical bills in detail with you. In summary, your medical bills may be paid by one or more of the following methods:
a. Insurance coverage from your own automobile policy under your first party benefits coverage, if you were driving in your automobile and were involved in an automobile collision.
b. Insurance coverage from the person you were riding with if you were a passenger in an automobile that has automobile insurance coverage and if you do not have your own auto insurance coverage.
c. Your own health insurance from your employment benefits package.
d. Your own health insurance that you may have paid for personally.
e. Health insurance obtained by your spouse for your benefit or by your parents if you are under age and living with such parents.
f. Your own personal funds if you were not insured and are able to pay medical bills as they are incurred.
g. Workers' compensation insurance if your injury occurred while you were working on the job and the injury occurred as a result of your employment.
h. The liability insurance coverage for the person, persons or company who caused your injuries. Such insurance coverage will most likely be paid at the time of settlement, court award or verdict rather than during the period that you incur such medical bills. If the Defendant’s insurance carrier initially accepts liability they may be willing to pay for medical bills as they incur only if you have no other insurance coverage. You can discuss this option further with your attorney.
i. Other possible sources.
j. If you have no insurance coverage, your medical bills may be able to be paid at a later date when and if your case settles, or a court award or verdict is reached. You can discuss this option further with your attorney.