Who Pays for Medical Bills After a Serious Car Accident, and When?

If you or a family member has been seriously injured in an accident, let me first say I'm sorry to hear it. There's nothing as frightening or stressful as an unexpected accident. 

In short, the insurance company of the at-fault driver will pay for your bills. 

Whose Fault Was the Auto Accident?

After a wreck, there's one big question that needs answering - who's at-fault? The at-fault driver (and their insurance company) will be responsible for paying for all the damages and injuries caused by the wreck. 

Not sure who's at-fault? Read my helpful article on the subject. 

If another driver caused a wreck and you were injured as a result, you'll contact their insurance company to start a claim. A few key points: 

  • The insurance company will only write you one check - they won't pay your bills as you go. 
  • It's better to wait until you are finished treating so you know exactly how much the insurance company owes you. 
  • Once you accept a settlement check, you can't ask for more money - your case is closed forever. 
  • You don't have to accept the first check the insurance adjuster offers you if you think you deserve more money. 

(Want to learn more about how to make a successful car accident claim in Texas? Download my free guide instantly). 

Texas Requires All Drivers to Carry Liability Insurance

Ever wonder why car insurance is mandatory in Texas? It's for exactly this reason. If you're hurt in an accident that was someone else's fault, it's their (and their insurance company's) job to pay for your damages in injuries. 

Unfortunately, it's estimated that one in four drivers in Texas are driving without insurance. If you're hit by an uninsured driver, things get more complicated. 

Learn more about what to do if you're hit by an uninsured driver here. 

How Much Money Will the Insurance Company Pay You?

This depends on a few things:

  • Are your injuries well-documented? 
  • Can you prove the other driver caused the wreck, and the wreck caused your injuries? 
  • Did you go to the doctor right away? 
  • Did you listen to all of your doctor's advice?
  • Do you have a lawyer?
  • Did you attend all of your doctor's appointments? 
  • Are your injuries serious or long-lasting? 

If you answered yes to most of these questions, then you're on the right path. In order to convince the at-fault driver's insurance company to pay for your damages and injuries, you'll need to have all your evidence in order. If you don't currently have a lawyer but are wondering if you need one, read my article on the topic

When Will The Insurance Company Pay Me?

It can take as little as a month or over a year. There's a big range, and most of this answer depends on you and your case. 

That might seems like a long time, and it is. If you're waiting on the insurance company to pay you before getting medical treatment, I'd tell you that I understand your logic, but really you need to do it in the opposite order. You must get treated FIRST, and then have the insurance company reimburse you. 

To help explain this idea, check out these articles:

Do You Need a Lawyer?

Not everyone needs a lawyer after an accident. However, if you have big damages and injuries and you don't want to risk losing money by going it alone, it could be worth setting up a free consultation. 

You can also see my article here, which explains how to know if hiring a lawyer is right for you. 

(Want to learn more about how to make a successful car accident claim in Texas? Download my free guide instantly). 

Other Articles You Might Be Interested In:
Car Accidents 101   
What are the main causes of car wrecks in Texas?  
Making a Claim Doesn’t Mean You’re Suing Someone   
Making a Claim Against All Insurance Policies Available  
Why do I have to pay back my health insurance company?   

Mark A. Anderson
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Board Certified Personal Injury Lawyer in Fort Worth, Texas