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Who is Responsible for Medical Expenses After Parked Car Accident?

If you were injured in a parked car accident, you are responsible at first for paying medical bills. After you submit a claim with your insurance company, you might be able to recover most, if not all of the medical expenses after a car accident.

You were just relaxing in your car waiting for a friend to come back with lunch. A sudden harsh jolt caused you to hit your head on the dashboard, with an assortment of other injuries impacting your body. Not only do you have to deal with pain caused by the parked car accident, but you also have to deal with personal injury medical expenses, at least temporarily.

Getting Compensated for Medical Bills

The time between when you send your healthcare provider money and when your auto insurance company cuts you a check for car accident medical bills can take months to unfold. The result is a huge hit to your finances because diagnostic tests, treatment regimens, and an extended stint of rehabilitation can run into the thousands, if not tens of thousands of collars. While you mend from your injuries, you also have to focus on getting your car insurance company to compensate you for car accident medical bills.

Sitting in a parked car is like being a sitting duck, whether the other driver traveled at a high speed or not. Head trauma caused by a strong impact on the dashboard can trigger a concussion, which is an injury that only time can heal.

You can miss weeks of work recovering from a severe concussion. Whiplash is another common injury caused by a parked car accident, with both the neck and back requiring extensive treatment.

No Fault Insurance and a Parked Car Accident

A growing number of states have passed laws requiring car owners to purchase no fault auto insurance. This type of car insurance policy requires auto insurance companies to take care of most or all medical bills, as well as cover lost wages.

Getting hit while sitting in a parked car can put you out of work for weeks, maybe even months. If you live in a no fault state, your insurance company cannot determine which driver caused a vehicle crash. The company simply has to pay for your medical expenses.

Who is Responsible for Medical Expenses After Parked Car Accident?

The Alternative To No Fault Insurance

Residents living in states that do not require the purchase of no fault insurance have to cover the costs of medical bills. However, you can add an option in your car insurance policy called Med Pay that requires your auto insurance company to pay your medical costs up to a specified limit. At least you get some of your car accident medical expenses covered.

If you have a high health insurance deductible, Med Pay is a sound financial option when it comes to paying off medical bills. There is also another way to cover the cost of your medical bills, and that is called filing a personal injury claim.

Schedule a Free Case Evaluation with a Personal injury Lawyer

Hiring a personal injury attorney can accomplish several things. First, you can receive legal advice on whether you should file a personal injury claim. Second, your lawyer can help you organize the evidence needed to prove negligence by one or more of the other drivers. Third, a personal injury attorney can act as an intermediary between you and your car insurance company.

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