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By Joseph Dell
Managing Partner

A car accident is often a frightening experience. Not only must victims contend with the pain and suffering of accident-related injuries, but they also must face the stress of trying to determine how to pay expensive car accident medical bills. This often leaves victims wondering who pays the medical bills after an accident. Fortunately, if you are a car accident victim, there are several options available to you to address your financial concerns. In this article, we discuss several resources for addressing car accident medical bills.

Car Insurance

Some car insurance plans help victims pay their car accident medical bills regardless of who is at fault for the accident. Specifically, if you have personal injury protection, this coverage can assist you with your medical bills. In addition, depending on your plan, it may even compensate you for wages lost due to your accident.

Health Insurance

One of the most common ways that car accident victims pay their medical bills is through health insurance. Therefore, if you have health insurance (whether it’s private, Medicaid, or Medicare), it can significantly lessen the amount you owe. However, if you’ve been injured, it’s important to understand the details of your health insurance plan so you know whether there are any caps on your coverage or if you must meet a deductible.

Private Funding Organizations

Another option for dealing with big medical bills following a car accident is through a private funding company. If you seek assistance through a private funding organization, however, you will be expected to pay the company back after your case ends.

Agreements with Doctors

Some doctors and other medical providers will agree to provide treatment to a car accident victim without any upfront payment if the victim agrees to repay the money following a subsequent successful personal injury lawsuit. This type of agreement, which is commonly called a letter of protection, can go a long way toward helping car accident victims who lack the resources to pay for treatment.

Payment Plans

Finally, medical providers sometimes allow car accident victims to pay their car accident medical bills over time via periodic payments. From the perspective of medical providers, it is often better to receive money in increments than to receive no payment at all. However, for this and the letter of protection option, it may be useful to have a personal injury attorney negotiate with the provider on your behalf.

Contact a Long Island Personal Injury Attorney

If you are worried about who pays the medical bills following your New York car accident, the attorneys at Dell & Dean, PLLC, are here for you. When you come to us for assistance with your case, we will diligently pursue financial compensation on your behalf. Please contact us to arrange an initial consultation with an experienced personal injury attorney.

About the Author
Joseph G. Dell, the firm’s Managing Partner, is regarded as one of New York State’s top trial lawyers and a zealous advocate of those injured through the negligence of others. Having founded the firm in 1994 with the singular goal of leveling the playing field for those injured, Mr. Dell has worked tirelessly for his clients since its inception. In addition to meeting with clients on a daily basis and trying cases, Mr. Dell is a frequent lecturer at Law School and Bar Associations on cases of significant importance in the fields of negligence and medical malpractice. If you have any questions regarding this article, you can contact Mr. Dell here.