Patrick D. Troxler and Teneshia M. Troxler have helped countless clients in Waldorf, Maryland, navigate medical expenses after a car accident. At Troxler & Troxler Law Firm, they work to ensure car accident victims understand their options and receive the compensation they deserve.
Who Covers Medical Bills Immediately After a Crash?
Even if the other driver was at fault, their insurance will not pay your medical bills right away. In the meantime, these options may help you cover costs:
- Health Insurance: Your health insurance may pay for treatment, but you could still owe co-pays and deductibles.
- MedPay Coverage: If your auto insurance includes Medical Payments (MedPay) coverage, it can help pay medical bills, no matter who was at fault.
- Medical Liens: Some doctors may agree to delay payment until you receive a settlement.
While these options can help with immediate expenses, they do not replace compensation from the at-fault driver’s insurance.
When Does the At-Fault Driver’s Insurance Pay?
Maryland follows an at-fault system, meaning the driver who caused the accident is responsible for damages. Their insurance should cover medical costs, but only after a settlement is reached. This process can take weeks or months, and insurance companies often try to reduce payouts.
Legal representation can help ensure you receive full compensation, especially if the insurer is slow to act or disputes your claim.
If the at-fault driver does not have enough insurance, your own uninsured/underinsured motorist (UM/UIM) coverage may cover medical expenses. If you do not have this coverage, you may need to file a lawsuit to recover damages.
Get Help Covering Medical Bills After a Car Accident
No one should be stuck with medical debt after an accident they did not cause. Troxler & Troxler Law Firm helps clients in Waldorf and throughout Southern Maryland secure the financial support they need. Call 301-264-6072 to discuss your case and explore your legal options.
