How To Handle Your Medical Bills After A New York City Car Accident

When you are injured in a car accident in New York City, you may incur a substantial amount of medical debt. Medical bills can quickly accumulate after a car accident. After a car accident, worrying about how to pay medical bills can be stressful.

Who is Responsible for Paying Medical Bills After a Car Accident in New York?

After a car accident, a victim may require numerous types of medical care and treatment. Consequently, you could receive medical bills for the following expenses, among others:

  • Fees for ambulance services
  • Fees for emergency room visits
  • hospital bills for inpatient care and surgical procedures
  • CT scans, x-rays, lab tests, ultrasounds, and MRIs are among the diagnostic procedures.
  • Bills from emergency room physicians, primary care physicians, dentists, surgeons, specialists, radiologists, etc.
  • Expenses associated with occupational, physical, and other therapies

In addition to medical bills, you may incur significant out-of-pocket medical costs. Medical equipment, over-the-counter medications, medical supplies, and prescription drugs are examples of out-of-pocket expenses.

After a car accident, the accident victim is personally responsible for medical bills and expenses. You may have a legal claim against the driver at fault for medical expenses and other damages resulting from the collision.

However, the driver at fault is not responsible for covering your medical expenses. You must instead file a personal injury claim against the driver to recover your medical expenses and other damages.

Will Health Insurance Pay Medical Bills for Car Accident Injuries?

If you have medical insurance, your insurer should cover your accident-related medical expenses. However, you would be responsible for co-payments and deductibles mandated by your insurance plan. Additionally, the other terms and conditions of your health insurance policy would be applicable.

Medicare and Medicaid may also cover automobile accident-related medical expenses. However, the terms and conditions of the insurance coverage may restrict payment for certain medical expenses. Additionally, you are responsible for copayments and deductibles.

It is essential to note that if your private health insurance company paid costs, it may seek reimbursement through a subrogation claim. Typically, health insurance policies contain a subrogation clause granting the insurer the right to reimbursement for any medical expenses paid from the proceeds of a personal injury lawsuit or settlement. Medicare and Medicaid both have subrogation rights.

Therefore, prior to receiving money from a settlement agreement or jury verdict, you must reimburse the health insurance company, Medicaid, or Medicare for any medical bills they paid for treatment of auto accident injuries.

In some instances, your auto accident attorney may negotiate a lower subrogation payment. Nonetheless, these parties are not required to negotiate or settle a subrogation claim for less than the amount they paid.

Medical Payment Automobile Insurance Coverage May Help

If you have medical payment coverage on your auto insurance policy, it should cover medical expenses resulting from a collision. Typically referred to as “Med Pay” or “PIP” coverage. Your coverage for medical expenses is limited by the policy’s limits and restrictions.

As medical payment coverage is a type of no-fault auto insurance, benefits are paid regardless of who caused the collision. Therefore, fault is not required to receive benefits. In other words, you are eligible to file a claim and receive medical payment benefits while your accident claim is pending.

Is There a Deadline for Filing Car Accident Claims in New York City?

The statute of limitations in New York applies to the majority of motor vehicle accident cases within the state. The statute of limitations for auto accident lawsuits is three years from the date of the accident. If you fail to file your lawsuit against the at-fault party before the deadline, you forfeit your right to do so in court.

In the case of a minor victim, the statute of limitations may be tolled or extended in certain circumstances. Similarly, there are situations in which the statute of limitations for filing auto accident claims is less than three years.

You should never assume that the standard three-year statute of limitations applies to your case before consulting with a personal injury attorney. A lawyer examines the facts of your case in order to determine the filing deadline for claims and lawsuits.

Contact Our Personal Injury Law Firm

Contact Abrams Law Group for a free consultation if you’ve been hurt in an accident and require legal assistance.

Abrams Law Group
104-70 Queens Boulevard, Suite 502
Forest Hills, NY 11375
(718) 997-9797

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