Medical Bills from Accident — Who Pays?
If you have been injured in an accident, the most important questions are who will pay the medical bills and how will you recover your lost wages. Our Minnesota personal injury lawyers answer these questions every day and help people get their medical bills paid and recover their lost wages after an accident. Here is a short overview of the answer for how to get medical bills paid after an accident in the most common situations seen by our attorneys.
WHO PAYS MEDICAL AFTER A CAR ACCIDENT
If you are injured in a motor vehicle accident in Minnesota, then YOUR automobile insurance company is responsible for paying your medical bills, even if you have health insurance coverage. MN No-Fault law requires that your auto insurance pay your medical bills even if the other driver is at fault and even if you are a passenger in someone else’s vehicle at the time of the accident. See What are “No-Fault” Benefits?. If you are a passenger in someone else’s car and you don’t own your own vehicle, then the medical bills will most likely be paid by the automobile insurance of a relative you live with or the owner of the car you are in. Unfortunately, the medical insurance from your automobile policy is usually limited to $20,000, so if you have a more serious car accident with more medical bills, you will need to have access to health insurance or state aid. If the other driver is at fault, their insurance will ultimately have to pay your medical bills that are more than $20,000, but not until the final settlement of your case – and then they are usually repaying the health insurer through what is called a subrogation claim.
If your injury occurs while you are on a motorcycle, you may or may not have medical coverage from your motorcycle policy. While No-Fault medical coverage is required by law for all cars, it unfortunately is not required for motorcycles. Therefore, whether you have medical coverage on your motorcycle depends on whether you purchased it as part of your insurance policy. However, even if you do not have medical coverage as part of your motorcycle insurance, you can still get your medical bills paid through your own health insurance, and ultimately through the liability insurance of the driver of the car that caused your accident.
WHO PAYS MEDICAL BILLS AFTER A WORK ACCIDENT
If you are injured while you are on the job, your employer’s workers compensation insurance is required to pay your medical bills. However if your injury is caused by a third party (someone not related to your employer), e.g. you are delivering pizza and you are rear ended, or you are injured by a defective machine, then you have an additional claim and the workers compensation insurance will also be repaid out of any future settlement you have with the third party who is responsible for the accident.
WHO PAYS MEDICAL BILLS AFTER A SLIP AND FALL ACCIDENT OR OTHER ACCIDENT ON SOMEONE’S PROPERTY
If you were not injured in a car accident or a work related accident, then your health insurance company will most likely be required to pay your bills – even if your injury was someone else’s fault. However you may still have a claim against the property owner or other responsible party. In those circumstances, your health insurance company will likely also have a right to obtain reimbursement out of any compensation or recovery you may receive from the person or business that caused your injury. It is also the possible that the property owner has what is known as “medical payment coverage” which may pay a limited amount of your medical bills as well.
If you do not have health insurance, you may be able to qualify for state medical benefits – even if you are employed. For more information, check out the Minnesota Department of Human Services at www.dhs.state.mn.us.
You may be entitled to other medical benefits. For more information about what medical benefits may be available to you, contact our law firm and speak with a personal injury lawyer. Our lawyers have more than 25 years of experience handling hundreds of accident injury cases. Pam Rochlin or David Rochlin will discuss your case with you and explain your rights, including how to get your medical bills paid. There is no obligation on your part, and we always only charge a percentage of the compensation you receive from the other party’s insurance. You can discuss how to get your medical bills paid with an attorney at our offices in Minneapolis, Edina, Woodbury, and St. Louis Park. A lawyer will also meet you to discuss medical bills and other issues related to your injury case at your home in St. Paul, Roseville, White Bear Lake, Brooklyn Park, Maple Grove, Rogers, Elk River, Chanhassen, Chaska, Prior Lake, Apple Valley, Burnsville, and other cities throughout Minnesota.