Who Pays My Medical Bills After a Car Accident?

Who Pays My Medical Bills After a Car Accident?

Following a car accident, those involved will likely sustain injuries, like spinal cord injuries, broken bones, and traumatic brain injuries (TBIs), that require medical treatment. Medical bills after a car accident can include charges for medication, surgery, physical therapy, hospitalization, ambulatory services, etc. In most cases, their insurance should cover the costs of their medical bills.

Should their medical costs exceed their insurance coverage, they could file a car accident claim with the at-fault party’s insurance company to pursue compensation for damages. These damages can also include the full cost of their lost wages and non-economic damages like pain and suffering, loss of consortium, and mental anguish.

An experienced car accident lawyer can assist them in pursuing compensatory damages, as they can help file the claim, prove the at-fault party’s liability, and negotiate a fair settlement.

Who Pays My Medical Bills After a Car Accident?

What Medical Costs Can a Car Accident Victim Incur?

Car accidents can expose victims to direct trauma, resulting in severe injuries. They can experience harm through blunt force and penetrating trauma, crushing impact from being caught between two hard objects and colliding with a hard object inside their car. Each can expose a person’s bones, muscles, ligaments, tendons, etc., to damage that can lead to fractures and tears.

Victims of car accidents will incur medical bills that they will have to find a way to pay for. While someone may assume that is only medical treatment, there are more costs they could incur because of a car accident.

The following are some medical costs caused by a car accident:

  • Surgery
  • Medication
  • Physical therapy
  • Ambulatory services
  • Hospitalization
  • Medical equipment
  • Diagnostic services

A Car Accident Victim’s No-Fault Insurance Covers Medical Bills

Whether your state requires no-fault insurance will determine who pays for your medical costs. No-fault insurance, sometimes called personal injury protection (PIP), helps pay for medical costs and a percentage of lost income no matter who is at fault for a car accident. While other types of insurance like collision, liability, and comprehensive insurance will assess liability, no-fault insurance will pay for medical costs whether you were at fault for the accident or not.

No-fault insurance is mandatory for all drivers in 18 states, such as New York, Florida, and Massachusetts. Following a car accident, a person can file a PIP claim with their insurance to pay for medical costs caused by a car accident. However, this insurance has a limit and may not cover the full medical costs of a severe injury.

You Can File a Car Accident Claim With the At-Fault Party If You Reach the Serious Injury Threshold

Your no-fault insurance may not cover all of your medical bills after a car accident. It’s likely that your insurance will not cover your medical bills if you suffer an injury that reaches the serious injury threshold. This can include injuries that involve dismemberment, disfigurement, bone fractures, permanent loss of a body part or organ, or limitation of a bodily system or function.

If you suffer a serious injury with medical bills not fully covered by your insurance, you could file a car accident claim with the at-fault party’s insurance company. From there, you could negotiate a fair settlement to pay for your medical bills or take the claim to court if a settlement cannot be reached.

This option is also good for car accident victims that suffer non-medical damages, such as lost wages, pain and suffering, or loss of enjoyment of life. No-fault insurance does not cover the full cost of your lost wages or non-economic damages, so filing a car accident claim could be the only way to receive compensation to pay for these damages.

What if the At-Fault Party Doesn’t Have Car Insurance?

Despite drivers needing no-fault insurance in some states, some drivers do not have it yet. In this case, they will not have insurance for you to file a claim to pursue compensation for medical bills. You must rely on your no-fault insurance to pay as much of your medical bills as possible.

Some drivers have uninsured motorist coverage, which is a type of insurance that covers costs associated with a car accident involving an uninsured motorist. This insurance can help pay for your medical costs should the at-fault driver not have proper insurance. It can also help in hit-and-run accidents that involve the at-fault party fleeing the scene before you can exchange contact information. 

Who Pays for a Passenger’s Medical Bills After a Car Accident?

If a passenger suffers a severe injury during a car accident, their personal injury protection insurance should cover their medical bills. Much like the driver of the vehicle, they can file a car accident claim if their no-fault insurance does not cover the cost of their medical bills after a car accident.

They could file a car accident claim with the at-fault party, including a reckless driver, a manufacturing company that created defective car parts, or possibly the driver of their car. It’s possible that the driver they shared the car with engaged in negligent driving behavior, such as running red lights, speeding, or distracted driving, that caused the car accident and their medical bills. In that case, they could file a car accident claim with their driver’s insurance company to recover compensation for medical bills not covered by insurance.

The At-Fault Party’s Insurance Company Covers Medical Costs for Pedestrians

If a driver causes a pedestrian accident, the driver’s insurance will cover the medical costs incurred by the pedestrian. The pedestrian could suffer significant injuries because they have no protection to shield them from the impact of a car collision. 

They can file a pedestrian accident claim with the at-fault party’s insurer but will have to prove that the medical costs they have came from the accident with the at-fault driver. They can establish liability and their damages through medical records, photos and videos of the accident, and eyewitness testimonies. 

Should You Hire a Lawyer to Help Pursue Compensation for Medical Bills After a Car Accident?

A car accident lawyer can help you work through who can pay for your medical bills. You may be unsure about how all of the above works, and they can advise you on if your insurance covers the full cost of your medical bills. They can also let you know if filing a car accident claim is a good way to pursue damages compensation.

Some ways a car accident lawyer can help include assessing your damages, filing paperwork for your claim, gathering evidence, and negotiating a fair settlement. They can handle the car accident claim process, maximizing your chances of recovering compensation while you focus on recovery.

Contact Cellino Law for Help With Your Car Accident Claim

The car accident lawyers at Cellino Law have helped victims across New York in places like Manhattan, Brooklyn, Buffalo, and Rochester recover compensation for medical bills after a car accident. We understand that determining who can cover your expensive medical bills can be complicated, and we wish to walk you through the process.

Our experienced car accident lawyers can assess your medical costs, determine who caused them, and help you file a car accident claim to pursue fair compensation. Contact Cellino Law today for a free car accident case evaluation by calling us at 800-555-5555 or leaving a message on our online contact page.



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  • Choosing the right attorney to represent you after an accident can make all the difference. This is no cliche. I recently experienced these words to live by first hand. After a tractor trailer rear ended me at high speed in 2017 I retained Allan Silverstein to handle my case. I quickly realized that bringing a lawsuit rapidly snowballs into a mountain of details that can make or break your results. Documents, case histories, doctor visits, bills, and lots of phone calls all need to be accurately kept track of if a successful outcome it to be attained. To complicate matters I reside in New York and the incident took place in New Jersey. Luckily, Allan was licensed in multiple states. I was fortunate to find Allan to handle this matter from the New York area. Armed with an accurate account of the facts Allan went to work on the difficult job of negotiating with the defending insurance company as well as my no fault carrier in order to obtain the best possible outcome for my set of circumstances. In a lawsuit communication is key and and events can be of a timely nature. Allan never failed to return my calls - usually the same day! He fought skillfully and respectfully to get me the best possible settlement. He is easy to deal with and a likeable down to earth guy. He always listened with compassion and respect to my issues. He guided me with objective understanding as well as a realistic analysis of the merits of my case. When we finally settled Allan got me a fair agreement beyond my expectations and negotiated with my doctors to make sure all my bills were paid. It was a great experience having Allan represent me. Quality work in any aspect of life is hard to find. Quality is what I got with Allan Silverstein. I highly recommend him if you find yourself in need of a personal injury attorney.


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