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Paying for Medical Treatment After a Car Accident

Medical Treatment After a Car Accident: All You Need To Know

It’s important to undergo medical treatment after a car accident. A car accident need not wipe you out financially. One of the biggest fears of our clients upon a car accident is getting bombarded by four- to six-figure medical bills. Fear of paying for medical treatment after a car accident can be paralyzing.

To help you sleep easier at night, we explain that your medical expenses after a car accident should be paid for by insurance—and reimbursed by the at-fault driver.

The top injury attorneys at Phoenix Accident and Injury Law Firm near you have more than 15 years of experience in helping clients who need medical treatment after an auto accident.  Our offices are conveniently located in nearby Chandler, Peoria, and North Phoenix, and we can meet in person or over the phone or video call.  You can contact us for a free consultation, or read on to find out more.

By the way, we will also help with other problems that have cost you sleep, like getting a rental car very soon and finding a nearby doctor who can help you. Even the best legal team isn’t good enough if your quality of life isn’t sustainable while justice and compensation are on the way. The whole point of legal action is to regain quality of life, so we help you long-term as attorneys and short-term as your go-to people.

Paying for Medical Treatment After a Car Accident: Who’s Responsible?

The at-fault driver and their insurer are responsible for all of the damages they have caused, including the cost of medical treatment, EMT, and hospital stays. However, the medical treatment needs to be paid for when you actually get Medical Treatment After a Car Accident, not when your case gets settled, which could be weeks or months after the accident. Since you don’t have that kind of time, here are a few ways you can handle paying for treatment soon after an accident:

Use Your Own Health Insurance

This is the normal option, since most people have health insurance. Some of our clients, however, have expressed fear that by paying for medical treatment themselves, they may harm their claim. Sometimes, they simply feel it is “unfair” to use their own insurance. This is certainly not the case. In fact, getting your Medical Treatment After a Car Accident underway and paid for will only help strengthen your claim. More on this in the next section.

Medical Lien

If you do not have health insurance, you and your healthcare provider can agree to take out a medical lien to ensure your medical treatment gets paid for once your case is settled. This way, you can get the Medical Treatment After a Car Accident you need without waiting for a settlement. Once your case has reached final settlement, your treatment will be paid for. We have expanded on this in a few sections below.

Use Both Health Insurance and Medical Liens

You may use a combination of both. If your health insurance doesn’t cover specific Medical Treatment After a Car Accident or certain procedures, and you cannot afford to pay out of pocket, you can take out a medical lien for part of your medical treatment costs. This may also be a good way to cover copays at the hospital or urgent care center because they can be quite expensive for emergency services. Multiple treatments with multiple copays and deductibles can add up over time.

Should I Use My Health Insurance?

Yes. Rather than waiting for a settlement, you should use your health insurance to pay for your Medical Treatment After a Car Accident. Using your health insurance to get treatment after an accident will not harm your claim.

Treatment for injuries caused by auto accidents usually costs a lot of money in our healthcare system. You may be concerned about high deductibles or high co-insurance payments because most health insurance coverage does not kick in until after you pay your deductibles and copays.

Luckily, you have another option besides paying your deductibles and copays out of pocket. If you have medical payments coverage with your auto insurance provider, you can use it to cover your deductibles until your primary health insurance coverage kicks in.

Medical Payments Insurance

The main benefit of a medical payments policy is it will cover your copays and deductibles.

Medical payment insurance also would cover medical expenses for you, your passengers, and any family members involved in the accident, regardless of which driver was at fault. It will cover your passengers even if they are not listed on your health insurance plan.

This policy also covers injuries to you or a family member as a pedestrian, a bicyclist, or a passenger in someone else’s vehicle.

Another benefit of using this coverage is when you use it, you are not required to pay copays. Also, if you exceed the limits on your health insurance coverage, you will still be covered by your medical payments insurance. For more information about medical payments coverage, go to this page.

Can I Still Get Treatment If I Don’t Have Health Insurance?

Absolutely. You should still get treatment as soon as possible.

Discuss this with your doctor or their front office staff at the beginning of your treatment and see if they are willing to defer payment until after your case gets settled. If they agree, they’ll probably advise you that they’ll be recording a medical lien to ensure their payment from the insurance company. This means that your treating medical provider will begin treatment but wait for the payment.

How Phoenix Accident and Injury Law Firm Can Help You

At Phoenix Accident and Injury Law Firm near you, we have more than 15 years of experience helping clients obtain compensation for their Medical Treatment After a Car Accident. When you’re ready to talk, please contact our office to arrange a free initial consultation by phone or at our Chandler office, conveniently located in your area.

If you need medical treatment after a car accident contact Phoenix Accident and Injury Law Firm near you in nearby Chandler, AZ to speak with an experienced personal injury attorney. We provide personal injury legal services to clients in your area including ChandlerGilbertMesaScottsdale, Tempe, and Peoria.

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Brenden Lewis
a month ago

So I suffered a tragic motorcycle accident leaving me injured and quite unhappy…… also the bike was totaled. This all star law team secured a large settlement for all my suffering. This process was very well advised by an aggressive and determined lawyer. All I can say is now I’m left a very happy man. Thank you karissa for working quick to bring my tragic story to a much warmer end. Just call them! You won’t regret it!

Shayianna Guyton
a month ago

They literally conversed with me every step of the way throughout my journey. Thank you guys

I was very pleased with my experience. They kept me informed the whole way through the process and checked on me through my treatment. Definitely would recommend

My dad was in a car accident and during those difficult moments, Phoenix Accident and Injury Law firm has been there for us. They care for their clients, will walk you through everything you need to know step by step, they follow up, very easy to reach and fast to respond. And one thing is for sure! they will fight for you! we felt safe with them! Me and the entire family thank them all so much for all their help! These people that works here are amazing!

Jenifer henke
a year ago

I was in an accident that resulted in getting whiplash and a concussion. I contacted Phoenix Accident and Injury Law Firm that day. Everyone was helpful (Rhea, Karissa, and Jeff) from the very beginning to the very end. They sent me to a physical therapy location that was pretty far away but the doctor and physical therapist were very kind so I did make the trek. They handled all aspects of my case in a timely manner and answered all my questions. They got the max amount possible, and from that, paid the medical bills and took their fair cut. I would not hesitate to recommend them to family or friends.

I would give ten stars if I could. This law firm is about as professional and friendly as it gets!! They stayed in constant contact with me and answered every question I had. I got a settlement that was higher than I expected and will definitely use this law firm again. I highly recommend hiring them to handle your legal issues!!

Fernando Lopez
a year ago

My experience with this team was superb, as they were ongoing with the case and making sure that the client gets what they deserve. I recommend anyone looking for a accident law group that this is the team you want to be representing you!!

Kimberly Legaspi
2 years ago

What can I say about the Thompson Law Firm? They are AMAZING!! It’s never fun when you need an accident lawyer because you are pretty much in a bad place. Shane and the staff have been wonderful, kept me informed at every step of this process. I would recommend Thompson Law Firm to anyone, in fact, I have referred several friends already!! Thank you Thompson Law Firm for everything you did for me!!!

Amanda Olney
2 years ago

These guys were absolutely amazing. They were very clear with me about what I needed to do on my end and I saw fast results. I just recommended them to a friend a week ago and he also dealt with my mother's case. I wouldn't see anyone else.

2 years ago

Karissa and Shane were amazing! They were there for any questions I had and checked up on me regularly. Highly recommend these guys!!

Karissa Murphy
2 years ago

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