After a car accident that caused injuries, each injured person is responsible for paying his or her own medical bills. This is the case even if it is clear that the other driver was at fault for the crash. If the victim has health insurance or Med-pay, the insurance company may cover the costs as they accumulate. A settlement can then compensate the victim for out-of-pocket expenses. Many accident victims have insurance coverage that will pay these bills. The type and extent of this coverage will dictate how the bills actually get paid.