Who pays your medical bills if you are injured in an automobile collision.

Even if you have been injured in an automobile collision that is not your fault, the law does not require the other driver’s insurance company to pay your medical bills as they are incurred. Rather, initially, you are required to pay your medical bills by using your own insurance. If you have Medical Payments Coverage as part of your automobile liability policy, by law, your automobile Medical Payments Coverage must be used first. After you have used up any Medical Payments Coverage you have, you next must use your own health insurance, including Medicare if that is your primary health insurer. If you have no health insurance, some health care providers will accept monthly payment arrangements or Letters of Protection from our office.

An important responsibility of our office is to assure that applicable insurance is accessed or other payment arrangements are made for the medical bills you incur.