Q: How do I get money for my medical bills after a car accident?
A:
Under California law, there are several ways to pursue compensation for your medical bills after a car accident:
1. Personal Injury Protection (PIP) or Medical Payments (MedPay) coverage: If you have either of these optional coverages in your auto insurance policy, you can file a claim with your own insurance company to cover your medical expenses, regardless of who was at fault for the accident.
2. The at-fault driver's liability insurance: If the other driver was at fault, you can file a claim with their insurance company to recover compensation for your medical bills and other damages. California requires drivers to carry a minimum of $15,000 per person for bodily injury liability coverage.
3. File a personal injury lawsuit: If the at-fault driver's insurance is insufficient to cover your medical expenses or if they are uninsured, you may need to file a personal injury lawsuit against the at-fault driver to seek compensation for your medical bills and other damages.
4. Your health insurance: If you have health insurance, your provider may cover your medical expenses related to the accident. However, your health insurer may seek reimbursement from the at-fault party's insurance company through a process called subrogation.
It's essential to keep detailed records of all your medical treatment, bills, and any other expenses related to the accident. Consider consulting with a personal injury attorney who can help you navigate the legal process and ensure that you receive fair compensation for your medical expenses and other damages.
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