The most important step to take after you have been injured is to seek necessary medical treatment, but who pays your ambulance, hospital, and doctor bills, and when do they get paid? Ultimately, all of the medical expenses caused by the at-fault party will be paid by their insurance company. However, this payment typically comes in the form of a settlement check or after a favorable verdict at the conclusion of your case. What happens before that?
There may be several sources of funds to pay your medical bills. You might have your own policy of medical insurance (such as Blue Cross, Uniform Medical Plan or Group Health) that will pay for your treatment. You also might have coverage for medical expenses under your own auto insurance policy. This is typically in the form of PIP (Personal Injury Protection) coverage. In some cases health care providers will agree to be paid out of your settlement.
If you are an injured passenger or pedestrian, the driver's policy or your own PIP coverage may be available to you. If you are injured as a result of a fall, the property owners insurance might be available to pay your immediate medical expenses.
The important thing is seek appropriate medical treatment and follow the doctor's instructions until you are better.
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