Who pays for my medical care after an auto wreck?

If you have been in a car crash, you should seek medical care even if you feel fine. Some injuries can remain hidden for days or weeks after the wreck. Address small aches and pains early so that they do not become serious issues. 

Unfortunately, you may hesitate to get the care you need because of worries about the expense. The accident was not your fault, so you should not have to pay. However, waiting for the other driver’s insurance to accept fault may mean putting off care. What should you do? 

Your responsibilities

Your first responsibility is to go to your doctor and get examined. Follow up and see specialists as necessary to get the treatment you need. Your health insurance should cover these visits but you are responsible for deductibles or co-pays. 

If auto insurance does end up covering your medical expenses, you may need to pay back your health insurance company. However, using health insurance initially may allow you to get care earlier than waiting for other coverage. 

Your insurer’s responsibilities

Depending on your policy, your vehicle insurance may include medical coverage. Such coverage can help with medical bills up to the amount specified in your policy. 

The other driver’s responsibilities

South Carolina is an “at-fault” state, so you can pursue damages from the driver who caused the accident. That driver’s auto insurance should cover damages to you and your vehicle. In the case of an uninsured or underinsured at-fault driver, your auto policy may help you cover your medical bills. 

Your options

Your medical bills may exceed the coverage limits set forth in the auto insurance policies. In that case, legal action may be necessary. You may be able to receive compensation for doctor bills, time off work and pain and suffering.