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Who is Responsible for Medical Expenses After a Red Light Accident?

The traffic light turned green, which is the universal sign for you to start moving forward. Unfortunately, another driver treated a traffic signal turning yellow as a sign to speed up to get through an intersection. The result was a red light accident that racked up thousands of dollars in personal injury medical expenses.

There are several ways for a red light accident to generate significant car accident bills. Although you have to pay out of pocket for medical expenses initially, you can recover some, most, or all of the money paid out for medical bills by filing a claim with your insurance company.

If another driver caused the auto crash due to negligence, you might have enough evidence to file a personal injury claim.

Paying Car Accident Medical Bills

After the shock wears off after a red light accident, another shock trembles into your life in the form of significantly high medical expenses. Healthcare providers, from a physical therapist to the medical professionals in an emergency ward, want to get paid as soon as possible after providing services.

The problem is insurance companies are notoriously slow at processing claims and even slower when it comes to sending out checks to clients. The time gap between receiving healthcare services and receiving a check from your car insurance company can put you behind on paying other types of bills.

Getting hit by another car while idling at a red light can lead to medical bills that run into the thousands of dollars. The strong impact might have snapped your head and neck back to produce serious whiplash symptoms.

A red light accident can cause injuries such as bruised ribs, fractured limbs, and serious head trauma. All of these injuries require months of intensive treatment and rehabilitation that makes you ask, “How will I pay off the personal injury medical expenses.”

Who is Responsible for Medical Expenses After a Red Light Accident?

How No Fault Car Insurance Can Help

Living in a no fault insurance state means you purchased a policy that pays for medical expenses regardless of which driver caused a car accident. The payout on no fault insurance policies is faster than what other policyholders experience with their auto insurance plans.

No fault insurance policies also cover the money lost because you were unable to work after a car accident. The only downside to having no fault car insurance is companies that offer the policies typically place a limit on how much they pay out for healthcare expenses. Some of the no fault insurance states include Utah, Massachusetts, and New Jersey.

What Happens If You Do Not Live in a No Fault Insurance State?

The answer depends on what is written into your auto insurance policy. You might have to take care of your medical bills through your health insurance policy. However, many car insurance policies include a clause called Med Pay that pays for a wide range of medical expenses that include treatments and hospital stays.

Med Pay comes in handy for health insurance policies that have above-average deductibles. Instead of paying for a health insurance deductible out-of-pocket, your car insurance company takes care of it through Med Pay

Speak with a Personal Injury Attorney

Going through a free case evaluation with a personal injury attorney can help you make sense of your auto insurance policy. Your attorney can also help you organize the medical documents required to receive money from your insurer in a timely manner. A personal injury lawyer also determines whether you have just cause to file a personal injury claim.

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