When you’re involved in a car accident, there are several things to take care of, and you may not know where to start. In a bad car accident, you will be thinking about the damage done to your car, injuries you may have suffered, and how you are going to pay for everything.
Fortunately, any damage to your car will most likely be covered by insurance.
However, coverage for damage to your body will depend on whether or not you were the at-fault driver and what type of insurance the responsible party carries.
When researching what to do in the event of a car accident you’re at fault for, you must determine whether you reside in a fault state or no-fault state. You have to determine who is at fault for the accident so that you’ll know how to pursue your settlement claim.
Medical Payments and Car Insurance
In cases where you are the at-fault driver, or there is no at-fault driver, then you will be looking at your insurance to cover the costs of the accident. In this case, your medical bills will only be covered if you have medical payments coverage.
This type of coverage will also protect you and other people on your policy if you’re a pedestrian affected by an automobile accident or you’re hit by a car while you’re riding your bike.
Having insurance to cover your medical bills can protect you and your family, but you’ll still need to know who is liable for your medical bills to get the proper settlement amount.
Who Is Liable for Medical Bills In a Car Accident?
After a car wreck, it may be difficult to determine which driver is liable. When you have car insurance coverage for medical payments, you’ll have the funds you need to cover your medical expenses and medical costs for your passengers, whether you’re responsible for the accident or not.
In cases where the other driver is found to be liable, your medical bills will almost always be covered by their insurance. Liability coverage is required for drivers in most states.
It covers both property damage and medical expenses for those who have been harmed by an at-fault driver,
What Will Your Medical Coverage Pay For?
Your medical payments coverage is a product from your car insurance company that covers the cost of your medical bills and the medical bills of your passengers in certain situations. You may be covered if:
- You or your relative is the driver or the passenger in the automobile
- You’re not in your car and are hurt in the accident
- You have to pay funeral expenses because of the accident
If you were riding your bike or walking and were hit by a car, your health insurance may cover your accident-related medical expenses. However, your health insurance won’t cover the other victims in the accident if they are not on your insurance plan.
This is why many people choose Medical payments coverage since it is possible to cover more individuals.
Medical Payments Coverage and Bodily Injury Coverage – What’s the Difference?
Trying to figure out how you’ll pay for all the damages and injuries that have occurred after an accident can be extremely stressful. This is why it’s important to know about bodily injury insurance coverage as well as medical payments coverage.
Bodily insurance coverage can protect your finances if you’re at fault in an accident. This type of coverage helps you cover medical expenses and pain and suffering lawsuits that may be filed against you by the victims of the collision.
Bodily injury insurance coverage also helps pay lost wages in case the injured party is unable to work or has to limit their work hours while healing. This type of coverage pays your legal fees as well and can help with funeral costs.
You are required to carry bodily insurance coverage in all states. This guarantees that you’ll have some funds to take care of damages for which you are responsible if you’re ever in a wreck.
The main difference between medical payments coverage and bodily injury coverage is the liable party. Med payments coverage will cover you and your passengers whether you’re responsible for the accident or not.
Bodily injury coverage provides payment to the victims when you are liable for the accident.
When you’re trying to figure out all the coverage options and financial obligations associated with your automobile wreck, it’s best to speak with a qualified lawyer.
An attorney who is experienced in these types of cases can assist you in speaking with the insurance company, paying accident victims, and getting the money you deserve.