Who Pays Your Car Accident Medical Bills

Answer:

We were talking to someone last week who asked, “Who’s responsible for paying my medical bills from a car accident case in Kansas?” There are several different ways to get your medical bills paid that we can help you with. One is that every insurance policy in Kansas is required to have personal injury protection coverage, or PIP coverage. That is a coverage for medical bills that is usually at least $4,500 in medical bills, and it can go up from there. That coverage is to allow you, when you’ve been injured in a car wreck, to go get the treatment that you need, up to $4,500 in treatment, even if you don’t have health insurance. Your auto insurance under your PIP coverage will be the first insurance carrier responsible for your medical bills. Again, that’s so you can go get the treatment without having to establish who was at fault.

Once you exceed or use up all that $4,500, then your own health insurance would start paying the medical bills. A lot of people think that the responsible driver’s insurance company is who should be paying those medical bills – and they should – but in Kansas they don’t have to pay those bills as you’re getting the treatment. What we would do is we would be making sure that your PIP carrier and your health insurance carrier are paying the medical bills as you’re getting the treatment. Once you’re done with treatment, we submit all those bills to the insurance company of the responsible driver and collect payment of those medical bills from that insurance company.

If you have any questions about this or any other personal injury matter, give us a call and we’d be happy to talk to you some more about that.