Tell your doctors and health care providers why you are seeking medical treatment. In some states, auto insurance policies must have special no-fault insurance designed specifically to pay for accident-related treatment. In Oregon, this insurance is called Personal Injury Protection (PIP); in California and Washington, it is called Med Pay. This coverage will pay for your related medical bills and potentially a portion of your wage loss up to the policy limits.
If your injuries and the cost of care exceed the PIP policy limits, then you may be able to use private health insurance to cover unpaid bills. Both PIP and health insurance are usually paid back out of any funds you receive from a personal injury claim settlement from the at-fault party or their insurance company. This process is called subrogation. Read more about the process of getting medical bills paid after an automobile crash or other accident.
Medical bills that are not paid by insurance are your personal responsibility. If you do not pay them, they may be submitted to collections agencies.