Ultimately, you are responsible for paying any medical providers you may see; however, the insurance carrier of the at-fault driver should reimburse you for all of your accident-related expenses. Since this will not happen immediately, we encourage you to have your health insurance pay your medical bills in the interim so as to avoid any collections actions or adverse credit issues. When the at-fault driver’s insurance carrier does make a settlement, it may be necessary to pay back your insurance carrier for anything they have spent on your medical expenses (called subrogation).