If you experience an injury due to no fault of your own, you may wonder who is liable for your medical bills. The responsible party depends on where and how the injury occurred. Injuries can happen just about anywhere. You could be injured while walking down the street, driving or working. When you must be admitted to a hospital for an injury, the medical bills can be overwhelming. In fact, it is not unusual to receive an emergency room bill for $10,000 or more, just for being evaluated after an accident. If you are like most people, you don’t have that kind of money to hand over to a hospital, especially for an injury that was not your fault. The following are some tips for how to get your medical bills covered after an injury.
Obtain Insurance Information from the Responsible Party
Before you can determine who will cover your medical bills, you must have the name of the insurance carrier for the responsible party. If the injury occurs as the result of a vehicle accident, you or someone you trust should obtain the other driver’s insurance information. The same is true if you are injured as a result of negligence on another party’s personal property. If the injury occurs at work, your human resources department should provide information about filing a workman’s compensation claim.
Keep Records of All Medical Expenses
After an accident, it’s important to keep copies of all medical bills. Chances are good that your hospital bills won’t be the only ones requiring payment. You may get bills for lab tests, emergency vehicle transportation, and imaging.
Make sure you know the total amount of the charges and who you must pay before accepting any settlement. This is one of the reasons you may need to consult an attorney. Injury attorneys in Sacramento are experts who will make sure the insurance company pays your medical bills.
Make Sure You Receive Documentation of All Treatment
Obtain copies of all of every report that indicates the types of treatment you received. This includes emergency room treatment, medications, and rehabilitation.
Keep Track of What Your Health Insurance Pays
When you are admitted to a hospital for an accident, they will ask if you have health insurance. Even if the injury is due to another party’s negligence, the facility will probably bill your insurance. Your insurance statement will offer further proof of your condition. Your health insurance provider may also seek reimbursement from the responsible party’s insurance company.
Remember, when you are injured in an accident that was not your fault, the responsible party’s insurance should pay your medical bills. An injury attorney in Sacramento will know how to get your medical bills covered after an injury.