How Do I Pay My Medical Bills After a Car Accident?

Who Is Responsible for Paying My Medical Expenses?

Texas is a fault state, meaning that the driver at fault in the accident will be responsible for paying the medical expenses of the injured party.

Texas requires drivers to carry auto liability insurance. The minimum liability amount a driver in Texas can legally carry is $30,000 for each injured person (and up to $60,000 total), and $25,000 for property damage per accident.

While $30,000 for injuries may sound like a lot, the cost of emergency health care can easily result in medical bills in the six-figure range. Further, many car accidents lead to chronic injuries that may initially cost under $30,000 but will eventually accumulate to a six-figure or more debt.

If the at-fault driver’s car insurance policy does not cover the entirety of your medical bills, you might be able to file a claim with your own car insurance company, depending on the policy you purchased, or health insurance company. Before filing a claim with your own insurance companies, make sure that you have received a fair payout from the other driver’s insurance. Filing a claim with your own insurance could result in larger premiums. 

Collecting Evidence of Fault

Immediately after a car accident, your main concern should be the safety of yourself and others involved. Car accidents can be traumatizing, and you may not be thinking of collecting evidence right away. However, it is important to have as detailed a record of the accident as possible to put yourself in a strong negotiating position going forward.

By contacting the police, you are creating an important piece of evidence. The police should file a police report that may say who the at-fault driver was. Be sure to give your account of the accident to the police and have any witnesses involved cooperate with the police as well. Exchange information with the other driver, and try to gather the information of any eyewitnesses to the accident.

If the other driver refuses to admit fault, their insurance company may be resistant to paying any of your bills. Having eyewitnesses and a police report that describes the accident may help prove to the insurance company who the at-fault party was, as well as put you in a better position to receive a fair payout.

Our El Paso Car Accident Attorneys Can Help

At Zinda Law Group, our El Paso car accident attorneys have helped thousands of crash victims get their lives back on track after suffering an injury. We have the knowledge and resources necessary to help you seek maximum compensation for medical bills, lost income, property damage, pain and suffering, and all the other ways your injury has cost you.

Our firm also believes that a car accident victim should never have to worry about their ability to afford legal representation. That is why we offer 100% free consultations and why you will pay nothing unless we achieve a favorable settlement, judgment, or verdict for your personal injury case. That’s our No Fee Guarantee.

If you or a loved one has been injured in a wreck, call Zinda Law Group at (800) 863-5312 to receive your free consultation with our El Paso car accident lawyers.

Meetings with attorneys are available by appointment only.