A car accident can be both physically and emotionally overwhelming, especially when injuries are involved. In the aftermath of a car accident, one of the first questions people often ask is: Who is responsible for paying my medical bills? The answer isn’t always straightforward; it depends on several factors, including the type of insurance coverage you have, who was at fault, and how serious your injuries are. If you were injured in a car accident, read this blog and reach out to our dedicated Suffolk County injury lawyers to learn who may pay your medical bills. Here are some of the questions you may have:
Does My Own Insurance Cover My Medical Bills for a Car Accident?
Yes, under New York’s “no-fault” insurance system, your own car insurance company is usually the first to cover your medical expenses after an accident. This coverage is known as Personal Injury Protection, or PIP. It applies regardless of who caused the accident. That means even if the other driver was clearly at fault, your own insurance is still responsible for the initial medical payments.
PIP typically covers up to $50,000 in medical expenses, lost wages, and other related costs. This amount may vary depending on the specific terms of your policy. It’s important to notify your insurance company as soon as possible after the accident to begin the claims process. Waiting too long could jeopardize your ability to recover benefits under the no-fault system.
What Happens If My Medical Bills Go Beyond My PIP Coverage?
Unfortunately, serious injuries often mean serious medical costs, and PIP limits can be exhausted quickly. When that happens, the next step may involve turning to your health insurance. If you have private health coverage, it can kick in once your PIP is maxed out. However, co-pays, deductibles, and treatment limitations may apply.
In cases involving catastrophic injuries or long-term care, your lawyer may pursue a personal injury lawsuit against the at-fault driver. This kind of legal action can help recover damages for medical expenses that go beyond what your own insurance and health coverage provide. If successful, you may also receive compensation for pain and suffering, lost future income, and other damages.
Can I Sue the Other Driver for My Medical Expenses?
Yes, but only under certain conditions. New York law sets a “serious injury threshold” that must be met before you can sue the other driver for pain and suffering or unreimbursed medical expenses. Qualifying injuries may include broken bones, significant disfigurement, or permanent loss of a body function. Your attorney can help determine whether your injuries meet the legal criteria.
Even if you can sue, it’s important to understand that lawsuits take time. Meanwhile, medical bills don’t wait. That’s why having a solid plan for handling those costs, both in the short term and the long term, is so important. Working with an experienced personal injury attorney can make a significant difference.
If you have further questions or were injured in a car accident due to another party’s negligence, please don’t hesitate to contact Castro & Trodden, LLC today.
