If you were injured in a run off the road car accident, you may be able to get all your medical expenses after the car accident paid by the insurer of the driver who caused the accident. However, you may be required to pay the run off the road car accident medical bills to start with. If you have enough evidence to prove the other driver was at fault you may be able to recover personal injury medical expenses from that person’s insurer or by filing a personal injury claim.
Who Pays for Medical Treatment?
When you are injured in a run off the road car accident you may either pay for your medical treatment yourself when asked to do so or ask your insurer to pay. It may also be possible to get compensation from the at-fault driver. There are many different types of injuries that are possible after a run off the road accident depending if you hit a power pole or other obstruction.
If you were driving quite fast and you had a head-on collision with a fixed obstruction you may have some serious damage done like a broken leg. If you don’t have health insurance, you can expect to pay at least $2,500 for a break that needs a cast. If the broken leg requires surgical treatment and you haven’t got health insurance, a broken leg could typically cost from $17,000 to $35,000.
States That Have No Fault Insurance
There are 12 no-fault accident states which require that drivers pay out for personal injury protection (PIP) cover as part of their usual car insurance policy. These are the following:
- North Dakota
- New York
- New Jersey
You can file a claim with PIP whether you were at fault or not. The amount of personal injury medical expenses treatment you may be able to claim will be dependent on how much cover you have paid in insurance. Most no-fault states demand that a minimum amount of PIP insurance be paid by drivers. Lost wages may also be paid through PIP insurance, but any car damage is not paid.
In a run off the road car accident in a no-fault state, the PIP cover should be sufficient to cover your personal injury medical expenses, but it might be necessary to file a personal injury claim against the driver who caused the run off the road accident if you need to get damages paid for your property damage or if the total medical and wage costs are more than your PIP cover.
States That Do Not Have No Fault Insurance
In a fault state your initial car accident medical bills for your run off the road car accident may only be claimed if you have coverage from one of the optional medical insurance policies like PIP or MedPay. The latter isn’t quite the same as PIP because it isn’t so expensive and can be adjusted to meet your personal requirements but does not include any compensation for your loss of wages.
If you were not at fault and you can provide the right evidence which proves that another driver caused the run off the road car accident, you may be able to file a personal injury claim for compensation to pay your personal injury medical expenses. If your claim is successful, the at-fault driver’s insurer may be told to pay any medical expenses you have already received from your own insurer.
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