When people reach out to our office after a car accident, one of their biggest concerns is figuring out how to handle the mountain of medical bills piling up and navigating the complicated insurance claims process. Many assume the at-fault driver’s auto insurance will cover medical expenses as they arise. Unfortunately, that’s not how it works.
How the At-Fault Driver’s Insurance Actually Works
The at-fault driver’s insurance doesn’t pay your medical bills as they come in. Instead, their insurance company will only issue a one-time lump sum payment as part of a settlement. This settlement is contingent on you signing a release of all claims, which essentially absolves the at-fault driver and their insurance company from any further liability.
Before signing anything from the at-fault driver’s insurance company, it’s crucial to consult with an experienced car accident attorney, like Debbie Taussig. Debbie can get you the best legal outcome to protect your future, making sure that you are compensated financial and that your receive the best medical treatment for your specific injuries.
Options for Covering Medical Bills After a Car Accident
While waiting for a potential settlement, you’ll need to explore other ways to cover your medical expenses. Here are some options to consider:
- Use Your Health Insurance
If you have private health insurance, ask your healthcare providers to bill your insurer directly. Don’t have health insurance? You may qualify for coverage through Colorado Medicaid.
- Colorado Medicaid: This program offers coverage for low-income individuals, with no enrollment period, meaning you can apply at any time. Learn more at Health First Colorado.
Keep in mind, though, that your health insurance provider may seek reimbursement from any settlement you receive to cover what they paid for your medical expenses.
- Check Your Auto Insurance Policy
Most car insurance policies in Colorado include an option for Medical Payments Coverage (MedPay), which is specifically designed to help with accident-related medical expenses. MedPay typically covers reasonable medical costs for you and your passengers, with limits usually ranging from $5,000 to $10,000.
Some people waive UM/UIM and/or MedPay Coverage when they enroll in their auto insurance program. We do not recommend doing so, as MedPay Coverage can make a difference in helping you pay for your medical bills if you are in a car accident.
- Consider Treatment on a Medical Lien
If you lack health insurance or other resources to cover medical bills, a healthcare provider lien might be an option.
A healthcare provider lien is an agreement where the provider agrees to treat you with the understanding that their payment will come out of your future settlement. The Colorado Legislature has established guidelines for these liens under C.R.S. 38-27.5-101, ensuring they are limited to customary and reasonable charges.
There are also third-party liens available in some cases. An experienced car accident lawyer, like Debbie Taussig, will be able to discuss these options with your, if they are available.
Liens are legally binding, so it’s essential to understand the terms fully and consult with your attorney to make sure they’re fair.
Get the Guidance You Need
Dealing with medical bills after a car accident can be overwhelming, but you don’t have to navigate this process alone. Debbie Taussig and her team can help you explore all available options, protect your rights, and maximize the compensation you deserve.
If you or a loved one has been injured in a car crash, reach out to our office to discuss your situation. We’re here to help you every step of the way.
Call us today at 303-442-0176.
