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How Do I Handle My Medical Bills after a Car Accident?

If you are involved in an accident in Connecticut and suffer injuries, there is a strong possibility that you will incur medical bills. However, if the accident was not your fault, you may have questions about who will pay for your bills, and how you should handle the pursuit of a medical claim. Here’s an overview about what you need to know about recovering compensation for medical expenses after an accident in CT.

  1. Seek Medical Care

Before we delve into the how of recovering compensation for your medical expenses, the importance of seeking medical care should be touched upon. If you do not seek medical care and then later require care, you may have a more difficult time proving to an insurance adjuster that the need is legitimate. What’s more, failing to seek medical care could result in a worsening of your condition. If you do not have health insurance and are worried about billing, contact our law firm immediately.

  1. Understand Liability

In addition to getting medical care, it is very important that you understand CT’s fault, or tort, system, and understand who is liable for medical bills when an accident occurs. In a nutshell, those who cause accidents through reckless or negligent conduct are responsible for paying for damages incurred by others. This means that whether you suffered a slip or fall on someone else’s property due to a dangerous condition or were involved in a car accident with a speeding driver, the at-fault party is responsible for ensuring your medical bills are paid.

  1. Keep a Tab

While an at-fault party will be responsible for paying for your medical bills, they are typically not responsible for paying your bills on an ongoing basis. Instead, once you reach Maximum Medical Improvement (MMI), you will ask for a lump sum payment from the defendant (or, more likely, the defendant’s liability insurer) for the total value of your medical expenses (past and future). This means that you need to keep a thorough record of all the bills you incur, and should work with a professional who can help you to determine what future costs you may face.

  1. Know that You Cannot Be Paid Twice

If you do have health insurance, there is a very good chance that as you heal from your injuries and seek medical treatment, your health insurance company will foot the bill. When it is time to issue a demand letter for the value of damages you have suffered, you will naturally include the costs of your medical expenses. That being said, you cannot be paid twice. This means that if you paid your medical costs out of pocket, you can pocket a settlement from the defendant. However, if your insurance paid damages, you will need to hand over that percentage of your settlement to your health insurance company. Other damages, on the other hand, like pain and suffering or the value of your lost wages, will be yours to keep.

  1. Work with an Attorney

Working with an attorney after being involved in an accident in Connecticut is strongly suggested, especially if your injuries are severe and your medical bills total into the tens of thousands or hundreds of thousands of dollars. Understanding who pays for expenses can be confusing, and you may have more questions about whether you should send a bill to your health insurance company, pay it outright, or hold onto it until you demand damages from the party who caused your accident.

At the Apex Law Firm, LLC, our personal injury attorneys have years’ worth of experience behind our name and have handled multiple cases where plaintiffs have questions about medical bills. To learn more, or to schedule a free consultation with our legal team today, please call us at 860-893-558. You can also visit our Hartford County office in person, or send us a message at your convenience using the online form on our website.