If the accident was your fault:
You are done.
If the accident was the other
Contact the at-fault driver’s
insurance company for final
settlement. Be aware that others,
such as medical providers, health
insurers or attorneys, may be
entitled to some or all of your
If the at-fault driver is uninsured,
but you have uninsured motorist
coverage, call your own auto
insurer to discuss your final
Contact your own
care or non-emergency
You are billed
You are responsible for paying
1. Submit to your auto insurer
if you have medical payments
2. Submit to your health insurer
if they cover your treatment.
If you believe you are not at-fault,
contact the other driver’s insurance
company at the earliest opportunity
to begin the claims process. You
will be instructed on next steps.
The other person’s company will not
pay your medical bills as they arise,
but you may be entitled to a final
settlement once the accident
investigation is complete and all
your expenses are known.
Save all receipts and records of
Fault-Based Auto Insurance: Back to Basics
How Medical Bills Are Paid After an Accident
What NOT to do after an accident:
Move any injured persons. Apologize for the
accident. Tell any party how much insurance
you carry. Accept any money - if you do, you
forfeit your right to file a claim. Agree to forget
about the accident - later on, the other person
may file a lawsuit against you.
Questions you should ask your agent
or company representative:
Am I covered for these losses?
What is my deductible?
How long will it take to process my claim?
Does my policy have a time limit on filing
Is there a time limit during which claims must
be resolved after they are filed?
What are those time limits?
When you buy auto insurance you need to think about what actually happens when you’re in an acci