Who Will Pay My Medical Bills After a Car Accident in Philly?
Being in a car accident in Philly can be devastating. Injuries can cause thousands of dollars in medical bills and lost time from work. While you are recovering from your injuries, who is responsible for paying your medical bills from the car crash?
Philadelphia, Pennsylvania, car insurance laws can be confusing. Our state has a mix of at-fault and no-fault car insurance laws. Fortunately, the Philadelphia car accident lawyers of Zavodnick & Lasky Personal Injury Lawyers have extensive experience handling car accident claims.
With over 80 years of combined legal experience, we understand insurance claims and how to fight to get our clients the money they deserve. Since 1985, our law firm has recovered millions of dollars in claims for our clients.
Contact us today (215) 875-7030 for a free consultation with one of our experienced Philadelphia personal injury attorneys. We can help you with all types of car accident cases and insurance claims.
How Zavodnick & Lasky Personal Injury Lawyers Can Help You With a Philly Car Accident Claim
Dealing with insurance adjusters and claims can be overwhelming when healing from car accident injuries. The medical bills are piling up, and you have no idea when you can return to work. So what are you supposed to do?
You hire a car accident attorney to handle the claim for you. When you hire our award-winning legal team at Zavodnick & Lasky Personal Injury Lawyers, you can expect us to:
- Obtain copies of the crash reports and police reports for your accident
- Conduct our own investigation into how your car crash happened
- Identify the parties who are liable for your damages
- Review and confirm car insurance coverage and file claims
- Work with your insurance provider to pay medical bills under your no-fault insurance coverage
- Determine whether you have a cause of action against the at-fault driver
- Document damages and work toward recovering a fair settlement amount for your accident case
The facts and circumstances of your case might require our lawyers to take additional steps, such as hiring expert witnesses and filing a personal injury lawsuit. We discuss every step with you because the decision to proceed is yours.
Call us today to schedule a free case evaluation to discuss your car accident with an experienced car accident lawyer in Philadelphia, PA.
Who Is Responsible for My Medical Bills After a Philly Car Accident?
Ultimately, you are responsible for paying your medical providers for their services. However, you might have several options for reimbursement of your medical costs caused by a car crash.
Pennsylvania’s No-Fault Insurance Coverage
Pennsylvania requires drivers to have a minimum amount of no-fault car insurance in addition to the minimum requirements for liability insurance. Therefore, you must have at least $5,000 in medical benefits coverage under your insurance policy. You can purchase higher amounts of medical benefits coverage to protect yourself if you are involved in a car crash.
Your medical benefits coverage pays medical bills from a car accident regardless of fault. In other words, you file a claim with your car insurance provider, and it pays up to $5,000 of your medical bills even if you caused the accident. There is no need to prove who was at fault for the crash.
Health Insurance Coverage
Your health insurance provider might pay your medical bills for a Philly car accident after you exhaust your medical benefits coverage. However, the payments would be subject to the terms of your health insurance policy, including deductibles and covered services.
Suppose your health insurance provider pays medical bills for a car crash. In that case, it will likely exercise its subrogation rights if you receive a personal injury settlement from the at-fault driver. A subrogation claim is the health insurance company’s right to be reimbursed for accident-related bills it paid from any money you receive for a personal injury claim.
Filing a Claim Against the At-Fault Driver
Drivers in Philly are also required to have a minimum of $15,000 of bodily injury liability insurance ($30,000 per accident). Liability insurance compensates accident victims for damages caused by an at-fault driver.
The victim can seek compensation for economic damages and non-economic damages. However, unlike no-fault insurance, you have the burden of proving the elements of a negligence claim to recover damages. You must prove that the other driver caused the accident that resulted in your injuries and losses.
However, to pursue a claim against the at-fault driver, you must have chosen full tort coverage (as opposed to limited tort coverage). Full tort coverage means you can sue another driver for damages caused by a car accident, including medical bills.
Limited tort coverage costs less but restricts your ability to pursue claims against other drivers. You must meet one of the exceptions to limited tort coverage to pursue a liability claim against the other driver or their insurance company.
Schedule a Free Consultation With Our Philadelphia Car Accident Lawyers
Our legal team examines all legal options for recovering maximum compensation for your car accident case. Contact our law firm to schedule a free consultation with one of our Philadelphia car accident attorneys to discuss your case.