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If you were injured in an accident you have medical bills. How do you get them paid?

Here are some options: Personal Injury Protection (PIP) or Med-Pay from auto insurance; health insurance; Medicaide; Medicare; or, a personal injury claim against the at-fault person or company.

Your Own Auto Insurance

If yours was a car accident, hopefully the car you were in had Personal Injury Protection (PIP) or Med-Pay or both. If you are injured in an accident you are an insured of the car you were in. If you were injured in another person's car and you own your own car you may be able to make a claim on your own car insurance also.

Some states have a no-fault insurance plan. No-fault is a type of automobile insurance in which each person's own insurance company pays for injury up to a certain limit regardless of whether its insured is at fault.

Personal injury protection (PIP) is another word for no-fault. So if you live in a no-fault state you likely have PIP which will pay your medical bills after an accident. Report the crash to your agent who will open a claim so an adjuster can be assigned. From the adjuster you can get an "Application for Benefits" which you will use to start the process of claiming your PIP medical benefits.

Med-Pay is another type of auto insurance coverage that will pay for medical bills after an accident. Some policies have both PIP and Med-Pay.

Your Own Health Insurance

Contrary to popular belief, your health insurance will pay your medical bills from an accident. You need to first use up your auto PIP or Med-Pay. Usually, your auto insurance claims adjuster will send you a letter telling you when the coverage is used up. Forward that letter to your health insurance and you shouldn't have any problem getting them to pay.

There are two advantages to using health insurance after an accident.

One is discounts. Health insurance companies get discounts from hospitals and doctors. So the amount they pay is less than the full amount of the bill. This benefits you when it comes time to pay them back.

The other advantage is interest. No interest, that is. Medical bills accrue interest till paid. If you wait to pay your medical bills until your injury case settles you may be paying a lot of money in interest. And there is the possibility of a collections lawsuit if the bill does not get paid.

If your health insurance pays and you later get a settlement you will need to pay them back. Often, if you contact them before you settle they will allow a reduction because you had to pay a lawyer to help you get the money.

Medicaide

If you have no private health insurance there may be a program in your state that will pay your medical bills. Sometimes these programs have time limitations so file promptly. There may also be limitations on income or assets. You won't know till you inquire.

Once again, you will need to pay back Medicaide out of your settlement. But Medicaide gets big discounts so you will be paying back far less than the amount of the original bill.

Medicare

Just like Medicaide, Medicare will pay bills from an accident but, again, they want to be paid back. And, like Medicaide they get discounts from health care providers.

Personal Injury Claim

If there was negligence or other legal basis for a claim, you may be able to recover your medical bills by hiring a lawyer to pursue an injury claim. Injury claims can take time, often several years or more, so, if possible, find a way to get your bills paid with one of the other methods. That avoids interest and possible collections lawsuits.

Rex Bush is founder of Bush Law Firm near Salt Lake City, Utah where he handles personal injury cases in Utah and throughout the United States. For more information on personal injury issues visit his website: Utah Personal Injury.

Planning Your Future With The Right Auto Insurance Policy

Individuals seem to change their lifestyle options as they mature. For example, an individual tries to maintain a sedentary lifestyle when his or her body begins to show a sign of breaking down. We set aside monetary funds for our medical bills instead of saving for a vacation. In this type of situation, it is very surprising that we do not put the same effort into concern for our vehicles.

It is important to keep in mind that your vehicle depreciates in value the instant you drive it off the car lot. The blue book value is known to decrease to nothing at a certain point in its short lifespan and because of this selling your car down the road is known as receiving a profit. The question that we should always ask ourselves is, "Do we really want to put monetary funds out to insure a vehicle which you would not even consider to fix if it were in a bad accident?" Putting out thousands of dollars on repair bills on an older model vehicle is not at all what you would call a feasible. You may want to consider what the rates would be to dispose of your old car so that you could put those funds toward that of a new vehicle of your choice. If this is the case, you would not want to get your car insurance to cover the repairs of a wrecked vehicle. This would be a waste.

If you just renew your automobile insurance policy without checking around and just agreeing to the same old rates that you had before might not be such a great idea. Keep in mind that the correct way of implementing these actions will depend on the exact personal circumstances. It is quite a simple process nowadays. Due to the luxury of the Internet, you have a vast amount of tools available at your fingertips to assist in getting you numerous different automotive insurance quotes. This will help you to get the best price for the best coverage that is out there. Utilizing an automotive insurance quote comparison website can assist you in this and save you vast amounts of time! Let's say that you can very easily figure out the amount of money that you would need to be put into a vehicle that is around ten years old. Automotive Insurance Companies figure that keeping close watch on the newest ideas available is very important. With this said, being in the loop and having all the information that is most pertinent can help you to make the correct decision of which policy is the right one for you.

You can be totally confident in your decision when you make sure to have all the facts on what is available to you. This can help you save much time and a lot of money that can be used on other more important factors of your life. Compare auto insurance quotes completely before you decide on one policy. It is so important! http://www.247autoinsurancequotes.com

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Will you have to pay back your personal medical insurance after receiving money on an auto injury claim?

Medical bills didn't exceed $800! I have really good medical coverage from my company and they have covered everything from the accident. I will be receiving a settlement check and was just wondering if I need to payback my medical insurance in the state of California........

Yes, you cannot be paid twice for the same loss, that's fraud. That settlement check should be going directly from your auto insurance to the medical insurance company.

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