At some point in your life, you or a loved one may, unfortunately, find yourselves dealing with the aftermath of a car accident. As you recover from injuries and notice the ever-growing pile of medical bills, you likely wonder who needs to pay them post-collision.
The person or entity responsible for covering the medical expenses depends on the specifics of the accident and the insurance coverage of those involved.
Personal Injury Protection (PIP)
PIP coverage on your car insurance policy may cover your medical bills after a car accident, regardless of who was at fault. Drivers in Connecticut must carry PIP coverage, so most motorists will likely have it.
Additionally, your health insurance may cover your medical bills after a car accident. Check with your insurance provider to understand your policy and coverage specifics. If you have a Health Savings Account (HSA), you can likely apply those funds toward your post-accident medical bills.
Other driver’s insurance
If another driver was at fault for the accident, their car insurance might cover your medical expenses. This is typically the case if the other driver was negligent or reckless in causing the accident.
If you have MedPay coverage on your car insurance policy, it may also cover your medical bills after a car accident. MedPay is an optional coverage that you can add to your policy. It can help pay for medical expenses regardless of who was at fault for the accident.
Overall, upfront, you likely will be the one to cover your medical bills after a car accident. Still, a future insurance settlement from the negligent party or other means of coverage will aid in your reimbursement.