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Do You Use Your Own Health Insurance When You've Been Involved in an Auto Accident?

The aftermath of a car accident involves a lot of questions concerning who was responsible for the incident, how you’re going to pay your bills, and a number of other financial uncertainties.

When you’ve been involved in an accident and are not responsible for the crash, it is very common to wonder: Should I use my own health insurance to pay my medical bills, even though the accident wasn’t my fault?

For a variety of reasons, the answer to this question is yes.

But why? If the accident wasn’t caused by you, and you are expecting some kind of payout from the other parties involved, doesn’t it make more sense to have their insurance company cover your medical bills? At face value, this line of thinking seems to make sense and is the logic many car accident victims follow when evaluating their financial obligations. However, the payment you are expecting may not be a sure thing.

Timing is the main factor to consider here. Insurance claims can take a while to be filed and completed, and most medical providers will not wait that long for your bills to be paid. Your bill can be sent to collections before the claim from the other insurance company is settled, negatively affecting your credit in the process.

It is also entirely possible that your claim will be denied, and this should be considered when paying your medical bills. You may feel certain that the fault of the other person will be proven, but accident liability cases can be unpredictable. A claim denial can occur for a number of reasons from a lapse in the policy to disputes over liability. Unfortunately, there is no guarantee that you will be awarded the finances you are expecting.

If you do receive payment, it may not be enough to cover all of your expenses. In the state of North Carolina, liability insurance companies are only responsible for paying medical bills deemed reasonable and necessary which may be less than the full bill amount. liability insurance companies will often make their own assessment of what a medical bill should be and base their evaluation on that figure. In some cases, litigation is necessary to make them fully pay what they owe.

Have Questions? Contact Price, Petho & Anderson for a Free Consultation

A third-party insurance carrier will attempt to avoid or reduce paying claims at all costs. To help take on the insurance companies and ensure you receive the compensation you deserve, enlist the help of our Charlotte car accident attorneys. We are committed to the dedicated representation of injured North Carolina residents, with an experienced legal team and free consultations available 24/7.

Contact us through our online message form, or via phone at 704-372-2160

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