Who Pays the Medical Bills?

Who Will Pay My Medical Bills After a Crash?

If the Crash Was the Other Driver's Fault:

  • If you have health insurance, be sure to bill the medical care to your health insurance.
  • If you have medical payments insurance on your car, contractually this should pay before your medical insurance. I prefer we use your health insurance though so follow a "if they don't ask, don't tell" policy with disclosure of medical payments insurance to the hospital or doctors.
  • If you have no insurance, the at fault driver's insurance is not going to pay for it until you are closing out the whole case. They do not "pay as you go."

BIGGEST MISTAKE to avoid is this. The hospital will tell you they will bill the other driver's insurance. Sounds great right? WRONG. What the hospital will do is file a medical provider's lien on your case and the money comes directly from any settlement you receive. YOU PAY FOR IT!

I cannot count the number of clients that have called and told me that they told the emergency room hospital to send the bill to the other driver's insurance company. It does not work that way and if you have health insurance, you are screwing yourself.


Under the contract for health insurance, you are entitled to the reduced contract rate for medical services. An MRI that costs $1,400 to the uninsured, costs only $400 to your insurance company. You will probably have to reimburse your health insurer, but paying $300 back to your health insurance from your settlement is a lot better than paying $1,400 right?

How do I force the hospital to bill my health insurance?

Client Reviews
My wife and I were hit by a tractor trailer in 2014. After extensive research online, we were deeply impressed with the various reviews we read on Google and Avvo and chose Chris to represent us. We could not have a made a better decision. Chris and his firm treated us like we were their only clients, soothed our worries, and instantly gained our trust. Chris settled both of our cases for more than we expected. James
A co-worker of my wife recommended Chris to us. At the very beginning Chris showed that he cared and his knowledge is priceless. Going through this process can be aggravating but Chris did a great job guiding me through this and was always available to answer my questions. Chris fought to get what I deserved even though at times I wanted to give up. Tracy
I want to express my deepest sense of gratitude and appreciation to Attorney Chris Simon & Attorney Chris Carsten, for all the hard work that they put forth into my case (car accident filed after being hit by drunk driver). Their attention to detail and professionalism far surpasses their firm's reputation. Because of their diligence and dedication to their craft, they were able to bring my case to a successful close, one that I could live with. You will not find a better team for your case. Should I have a need for their services again in the future, or know of anyone looking for a top notch Auto Accident Law Firm, I would not hesitate to recommend them!!!! Elle
Wow...Chris is a very good attorney. Me and my son was in a very bad car accident an I was clueless on how to handle the situation. It's very hard to find an attorney who allows you to contact them personally instead of you contacting their asst. I was told that I didn't have a case because the hosiptal put a lien on my acct. Chris prove different and I was able to file my case with the insurance company. The process was very quickly and Im glad I selected the right attorney..Thanks Chris A Car Accident client
Chris is a great lawyer and the most people friendly attorney I have ever delt with. He handled my case with great attention to detail and did so in a very short period of time. He is very consice, efficient, patient and understanding. He has a strong passion for what he does and he does it well. I recommend Chris Simon as legal representation for anyone who has suffreed damages or a loss at the negligence of others. He really cares about you and your case. A Car Accident client