If you are injured in an accident caused by the negligent actions or wrongdoing of another, then the law provides a way for you to recover for the harm you have suffered due to the accident. This is done through pursuing a personal injury claim for your damages, usually brought with the insurance company of the person who is found to be responsible for causing the accident.
Unfortunately, however, the insurance claims process can take a prolonged amount of time. The time it takes can feel much longer as you incur expenses caused by the accident. Medical bills can pile up all too quickly. This can be incredibly stressful, especially if you have lost wages due to having to miss work because of your injuries. With medical bills rolling in and a settlement that can seem much too far away, you are likely wondering, how do I pay my medical bills until I get my settlement?
How Do I Pay My Medical Bills Until I Get My Settlement?
Waiting for an insurance company to pay you what you are due for the damages you sustained due to the negligence of their insured will likely not happen as fast as you would like it to. This can bring a great deal of stress and anxiety, especially as you will probably have medical bills rolling in. These medical bills are expenses that should be covered under your settlement, but how do you pay them in the meantime? You might have several options depending on your circumstances.
In some cases, your treating medical providers will come to an understanding with you that they will be paid once you receive your settlement proceeds. This is especially true if you have health insurance that you can list as a backup payor. Alternatively, sometimes health insurance can be billed. Give your health insurance information to your doctors and you can list it as a backup payment method. Should health insurance be billed, however, you will still need to repay them for the amount they paid out for treatment for your accident injuries once you receive your settlement.
Additionally, you will likely have some car insurance coverage that will help you cover the costs of medical care until the other insurance company pays you your settlement. Pennsylvania is a no-fault insurance state which means that all drivers are required to carry personal injury protection insurance. When injured in a car accident, the first to pay for medical expenses is your own auto insurance provider regardless of who is found to be at fault for causing the accident.
Another option may be personal injury loans. While these loans are highly inadvisable most of the time because of the incredibly steep interest rates they usually carry, they can also provide critical financial relief to those in need. With these loans, you are essentially borrowing against your future settlement.
Philadelphia Personal Injury Attorneys
At Cooper Schall & Levy, we put pressure on insurance companies so that they pay you full and fair compensation in a timely manner. Contact us today.