The at-fault driver of the vehicle should pay for your medical bills, or the driver’s car insurance company should pay. If you do not have car insurance, and it was not your fault, you could sue the at-fault driver personally to recover all of your medical expenses, lost earnings, pain, suffering, and other damages.
Alternatively, if you have no car insurance and the other driver has no car insurance, then you should submit any medical bills to your own health insurance company for payment. You will have to pay the medical bills yourself if you have no health insurance. If you are involved in an accident and do not have car insurance, you should contact a Law Firm.
Who will pay my medical bills after a car accident if I do not have car insurance?
- If you were a passenger
The driver’s insurance company would pay your medical bills if the accident were the driver’s fault. If the accident were your fault, your insurance company would pay your medical bills. If the accident were neither your nor the driver’s fault, each of your insurance companies would likely pay a portion of your medical bills.
- If you were a pedestrian
If you have been hit by a car as a pedestrian, you may be wondering who will pay for your medical bills. In most cases, your own personal injury protection (PIP) insurance will cover your medical expenses. If you do not have PIP insurance, or if your PIP insurance does not cover all of your expenses, you may be able to file a personal injury lawsuit against the driver who hit you.
- If you were a cyclist
This depends on the insurance coverage of the driver who caused the crash. If the driver has liability insurance, then their insurance company should pay for your medical bills. If the driver does not have insurance, you may be able to use your own health insurance, or if you have uninsured motorist coverage, your insurance company may pay for your medical bills.
If you live in “no-fault state”
if you live in a no-fault state, you must be aware of the laws and how they will affect your case. No-fault states require car insurance companies to pay for the initial medical treatment for all parties involved. The amount of coverage that is required will vary from state to state. In no-fault states, your own insurance company is the one that pays for your initial medical treatment.
After your initial medical treatment, you can seek reimbursement from the at-fault driver’s insurance company. In some cases, you may also be able to receive benefits from your own insurance company, if your policy includes personal injury protection (PIP) coverage. If you live in a no-fault state, you should check your insurance policy to see if it includes PIP coverage.