How to Handle Medical Bills After A New Haven Car Accident: Your Options Explained

When you find yourself in a New Haven auto accident and are faced with significant medical bills you may need to figure out your options for how to pay these bills. Medical bills can be significant and you most certainly don’t want to get into financial jeopardy due to an accident, especially if the accident was deemed to not have been your fault.

There are many options to get your medical bills covered when you have experienced an auto accident. This post will cover a few of them, but it is far from an exhaustive list, so if you do find yourself in this position you may want to seek some support or advice for an attorney who has experience with your type of situation and give you all of your options so you can decide what to choose that works best for your particular situation.

Before you even think about the financial concerns of getting into an accident and how you’re going to pay your medical bills, it is important to remain calm and get the medical attention that you need. Making sure you are OK and cared for is the most important thing to think about before you even spend an ounce of energy on the bills. This can be hard, especially depending on the severity of your injury, you mind might race with all of the things you are now going to be faced with, but if you can slow your mind down and stay calm you’ll be able to approach both your medical needs and your financial obligations with a clear head and make sound judgements.

Once you have sought the medical attention you need and are starting to get on the mend, you can then think about your options when it comes to paying for your medical bills after an accident. Again, this is not an exhaustive list of options, but these are some of the most common options.

1.) Personal Injury Protection (PIP) or Medical Payments (MedPay) Coverage: This is coverage that is NOT required in Connecticut, but it can certainly come in handy if you are in an accident and require medical attention. Both PIP and MedPay will cover your medical expenses, regardless of whether you are at fault in the accident or not. PIP may also cover lost wages if you are in an accident and require time to recover away from work.

2.) Health Insurance: You may be covered for your injuries through your medical insurance. Of course, this comes along with things like co-pays and deductibles that are typical any sort of medical treatment that is covered through health insurance. Keep in mind that if your medical bills are paid through health insurance and then you are able to recover some damages as a part of a lawsuit, the health insurance company may seek reimbursement.

3.) Uninsured/Underinsured Motorist Coverage (UM/UIM): While Connecticut is an at-fault state which means that the driver who is found to be at fault is responsible for damages in the accident, there may be a time when you get into an accident with a motorist who is not carrying the necessary coverage. In this case, you may want to protect yourself with UM/UIM coverage. This coverage is required to be carried with auto insurance in Connecticut.

While this post is a good starting place for you while you’re thinking about protecting yourself and your finances in the event of a New Haven auto accident, you may want to speak with an attorney directly to get a full picture of the best ways you can go about keeping yourself and your family free from significant medical and financial hardships. You can contact our office and one of our experienced attorneys will be able to discuss your options with you.