Do I Have Other Options for Getting medical Bills Covered in the Meantime?
There are different kinds of coverage that may be available under your insurance policy that could help in a situation like this. Specifically, there's a coverage called PIP or Personal Injury Protection. If you have that type of coverage, it pays money for your medical bills and 80% of your lost wages up to your PIP coverage limit. And PIP pays as you go. So if you have $100 bill at a doctor followed by a $1500 hospital bill, well instead of waiting for that other party to settle your case, you can collect the money now from your PIP insurance. Another great thing about your PIP insurance is that just because you got paid that $1600 it doesn't mean that the responsible party then gets a credit for the $1600 you received under your PIP payments. Essentially you get to recover twice, you get to recover from the PIP payment and then you still get to recover for the same medical bills through the responsible party.