Who is Responsible for Your Medical Bills in an Auto Accident in Michigan?
Before we begin to understand who is responsible for paying your medical bills that resulted from a car accident, we have to consider the No-Fault auto law in Michigan. Michigan is a “No-Fault” state, which means the state allows any party involved in an auto accident to gain benefits from their insurance companies. No matter whose fault it was.
If the accident involved negligent driving from the opposing end, please contact contact an auto accident attorney at Cochran, Kroll & Associates, P.C. who can support your claim and offer professional legal advice.
More specifically, if negligence and irresponsible driving led to unforeseen injuries and suffering that put you or someone you know in the hospital. Before you know it, unwanted medical bills begin to pile up.
So, Who Pays for Your Medical Bills?
If someone gets injured, the victim’s health insurance company should pay first, then the auto insurance company follows afterwards by paying the remaining balance. This happens when citizens have excess medical benefits on their auto insurance policies in Michigan.
Another option is to have primary medical PIP (personal injury benefits) on your auto insurance policy to protect victims by providing medical benefits from their car insurance company—benefits that typically aren’t covered by auto insurance companies.
Even though choosing to have medical PIP coverage can be more expensive, the insurance benefits can often outweigh the financial costs. Top personal injury lawyers at Cochran, Kroll & Associates, P.C. can offer free advice as well if you’re unsure.
However, there are some instances where the auto insurer has to pay first.
For example, some health insurance policies allow exclusion of auto-related accidents that states that the health insurance company refuses to pay for medical attention resulting from auto accidents.
What if You Don’t Have Health Insurance?
If you don’t have any health coverage during the time of your auto accident, then the auto insurance company has no choice but to pay, but they will usually charge a higher medical deductible.
In rare occasions when that doesn’t apply is if you have GMAC insurance or Medicare/Medicaid coverage. Medicare and Medicaid are federally funded and not supposed to be used for auto-related accidents, so they don’t necessarily count as true coverage.
Make sure to notify the hospital and doctors if this is the case, so they don’t unwittingly send medical bills to Medicare or Medicaid rather than submitting them to the auto insurer under the No-Fault law in Michigan.
What Steps Should You Take?
First and foremost, remember to notify your car insurance company as quickly as possible to apply for the No-Fault insurance benefits because there is a strict one-year time limit. If you plan to file a lawsuit against another party involved or responsible for the accident, there is a three-year limit.
The No-Fault law in Michigan can be complex and confusing, especially if there are several parties involved. Hiring a car accident attorney from our law firm, can alleviate the frustrations and clear up confusions amongst involved parties. You can be reassured to receive the proper care and compensation with a member of our legal team by your side.
Contact Eileen E. Kroll at Cochran, Kroll & Associates, P.C. in Michigan to receive professional advice from a seasoned lawyer. Her extensive background in the medical field provided her the skills and knowledge to deal with injury-related and medical malpractice cases. Kroll’s expertise extends further as she unyieldingly aims to provide her clients with the best legal advice to gain the maximum benefits for them.
Act now and call 1-866-MICH-LAW (1-866-642-4529) to get your free consultation. We never charge a fee unless a recovery is made.