Q How do I get my medical bills paid after I've been in a wreck?
After a Raleigh car accident, there are several sources which may be available to you from which you can get your medical bills paid. You should use all of these sources in every case. There's never a reason not to make a claim against all available insurance policies.
One source of payment is your own health and hospital insurance policy. You should always make a claim against this insurance even though other sources of collection may be available to you.
Another common resource you may be able to use to pay your medical expenses is the medical payment provision of the liability insurance policy which insures the car in which you are riding at the time of the collision. If the vehicle you're in has medical payment coverage, you're entitled to recover all of your medical bills arising out of the wreck up to the limit of the policy. Most policies provide $1,000 to $5,000 of medical payment benefits. You can claim these medical payment benefits, commonly referred to as "med pay" regardless of whether you own the car. Also, if the car in which you are injured does not have a medical payment provision, but you have a car that does have such a provision, you can collect from that insurance policy on your car even though you are not in the car at the time you were injured.
If the collision was caused by the negligence of another person, you can collect all of your medical expenses from the liability insurance policy which insures that individual. Of course, the negligent party is personally liable for the damage caused to you in the collision as a result of their negligence. However, we usually think in terms of collecting from their insurance company. If for some reason the negligent party does not have liability insurance you could get a judgment against the negligent driver, although in many cases, that judgment would not be collectible.
If you are injured by an uninsured driver, you could collect from your own liability insurance policy if that policy includes an uninsured motorist provision. Under such a provision you collect from your own insurance company for damage caused by an uninsured driver.
You should collect from all of these sources even though there may be double recoveries. This is only fair since you paid for most of the insurance available. The negligent party should not get the benefit of insurance which you paid for. Therefore, the negligent party does not get any credit or set off from cause of the fact that you may have collected your medical bills from other sources.