It is common for people to incur substantial medical expenses following automobile accidents. You might be left facing mounting medical bills combined with income losses, causing your financial circumstances to be impacted. Who will be responsible for paying your medical bills when you have been injured in an accident will depend on whether you were at fault or if another driver or party was at fault for your accident. If you were at fault, your own medical insurance will pay for your medical bills. In that case, you will be responsible for paying your deductibles and copays. If another party was at fault, his or her insurance company will be responsible for paying your medical expenses out of the bodily injury coverage on the policy.
If you have an accident with an uninsured motorist, you can submit your medical expenses to your own uninsured motorists/uninsured motorists coverage through your own policy as long as you have it. Since the at-fault motorist’s insurance policy will not pay damages for your medical expenses until your claim is resolved, you will not need to do anything about your medical bills when you receive them. Your accident attorney in Phoenix can talk to your doctors about your claim. In most cases, doctors will agree to wait for payment until your claim is resolved. You can also submit the medical expenses to your own health insurance company for payment. Your company can then go after the at-fault party’s insurance company for recovery of its expenditures once your claim is resolved.