It is a common misconception that if someone is hurt on a property, the owner must automatically pay medical bills and wage loss. Compensation for these and any other damages relies on proving the owner’s negligence and its direct relation to your injuries. Medical bills, income loss, and other losses are paid in a lump sum at the end of a case or after a verdict at trial. Some property insurance policies have medical payments, or “med pay,” coverage that will immediately cover bills up to the limits of coverage, regardless of who is at fault. Without med pay coverage, health insurance covers medical bills even if someone else is ultimately determined to be at fault. Short-term disability benefits will also pay immediately after an injury, although health insurance and short-term policies may seek money back from your settlement.