When you’re hurt in a personal injury accident, your medical bills begin right away. In fact, the financial fallout starts right after the accident, and it may last for years to come. Of course, to fully recover from your injuries as quickly as possible, you need great medical care. Medical care can be expensive, and you might wonder how you’re going to pay for your medical bills after an accident.
How Do I Pay My Medical Bills After a Car Accident?
There are a number of ways that you can pay your medical bills after a car accident in Las Vegas. You can rely on an agreement with your medical care providers to pay your bills as soon as you receive a financial recovery for the accident.
Health insurance can be an option, and you may have no-fault MedPay coverage for medical bills. An experienced personal injury attorney can help you find the best option to pay your medical bills after a car accident.
What Do You Do If You Can’t Pay Your Doctor Bills After a Car Accident?
When you’re hurt in a car accident, you need medical help now. Medical professionals understand that. They know that the best treatment is immediate treatment. Ultimately, seeking treatment right away can prevent complications.
Many doctors and other care providers are willing to help you by caring for you without upfront payment. In exchange, you give them what’s called a letter of promise.
What’s a Letter of Promise in a Car Accident Case?
A letter of promise in a car accident case is an agreement between you and your health care providers. Your health care providers agree to treat you right away. They provide you with the care that you need without any up-front payment.
In exchange, you execute what’s called a letter of promise. It’s a promise that you’re going to pay the medical bills out of the first proceeds of your car accident settlement or trial recovery. The health care providers wait for payment until you resolve your case. When you finally have a check in your hands, you pay them first before you receive any payments yourself.
Using a letter of promise can be an effective way to get medical care after a car accident. Your health care providers have the assurance that you’re pursuing a personal injury claim and that you’re going to pay them as soon as you get a recovery from the other side. A letter of promise is enforceable. Your health care treatment providers know that they’re going to get paid.
Letters of promise are common in car accident cases. Your medical care providers have likely seen them and used them before. Your care providers can have assurances that you’re going to get the care that you need when they agree to a letter of intent. They may only accept a letter that comes from an attorney.
Using Medpay to Pay Medical Bills After a Nevada Car Accident
Another option for paying your medical bills immediately after a car accident is with your MedPay insurance policy. All insurance companies in Nevada must offer you MedPay coverage when they offer you car insurance. You may have MedPay coverage and not even know it. You can use your MedPay coverage to pay your bills right away after a car accident even if you haven’t recovered anything from the other party or their insurance company.
MedPay pays you even if you’re at fault for the accident. The reason MedPay coverage even exists is to help people in car accidents get fast coverage when they’re hurt in an accident. It includes a wide variety of medical-related expenses. There’s no deductible for MedPay expenses, and you can see any doctor. It covers your medical bills after an accident up to your policy limits. MedPay can be a helpful way to pay your medical bills right away after a Nevada car accident.
Using Health Insurance to Pay Medical Bills After a Nevada Car Accident
If you have health insurance, you can use your health insurance to pay your medical bills after a Nevada car accident. Your health insurance should apply just as it would for any other kind of health problem or injury. Even though your health insurance will likely have deductibles and copays, you can usually also take advantage of negotiated discounts that may not be available in MedPay or other car insurance programs.
Using your health insurance after a car accident doesn’t prevent you from bringing a claim for recovery. The health insurance company may exercise their right of subrogation. The right of subrogation means that they may try to recoup their costs form the at-fault driver’s insurance company. Health insurance can be a helpful way to pay many of your medical bills after a car accident.
Does Nevada Law Allow for Medpay Subrogation for Car Accident Payments?
Nevada is one of only a few states that doesn’t allow the insurance company to recover MedPay payments from your recovery. That means the insurance company can’t dip into your recovery to claim reimbursement for what they pay to cover your MedPay expenses after a car accident. The Nevada Supreme Court ruled that it’s not fair to allow your insurance company to reduce the value of your recovery by the amount they pay you for MedPay. The Court said that it’s the insured party that deserves to get the benefit of having insurance when they pay the insurance premium.
The case the Nevada Supreme Court decision on the issue of insurance subrogation was the Maxwell v. Allstate Ins. Co. case. The Court decided the case in 1986. In the Maxwell case, an insurance company sought payment form another insurance company to recoup what they paid to an insured person after a car accident. The Nevada Supreme Court said that because the insured party pays the premiums for the insurance, it’s not fair to allow the insurance company to recoup their losses at the insured party’s expense. Most states allow for recoupment, but Nevada is one of only a few states that doesn’t allow it.
Contact Our Injury Accident Lawyers
Are you wondering how to pay your medical bills after a car accident? We’ve helped thousands of deserving accident victims. We want to help you, too. Call us today to talk about your case and make a plan to get your medical bills paid as fast as possible.