In many cases, your insurance policy will have a “Med Pay” portion, which will pay for 100% of your medical bills up to a certain limit. Once you have reached a pre-injury status, your insurance company will collect from the insurer of the party at fault. If you do not know if you have Med Pay, a simple glance over your insurance policy will usually reveal a “Medical Expense” box under the “Coverage” column that will define your limits. If you do not have it, and as long as the accident was not your fault, care can be provided on a lien basis, until your symptoms and limitations resolve. At that point in time, the insurance company of the driver at fault should reimburse you or your insurance company for your medical expenses