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Woods & Brangwin, PLLC

632 Valley Mall Parkway
East Wenatchee, Washington 98802

Ph. (509) 663-3915
Fx. (509) 663-6064

Injured In An Accident - How Do I Pay For My Medical Bills?
Written by Beth Bratton
Wednesday, 08 September 2010 16:19
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One of the main concerns for individuals who are injured in an accident is how they are going to get their medical bills paid.  Well, if you are injured in a motor vehicle accident, hopefully you have personal injury protection with your auto insurance.  If you do not have it, we highly recommend that you get it.  You can set the coverage limits yourself and normally this coverage is pretty reasonable.


 If you do not have personal injury protection with your automobile insurance then hopefully you have private medical insurance.  If you do not have private medical insurance, then you are going to be in a very difficult position.  Why you might ask?  Well, in most personal injury cases, you are required to cover your own medical bills with your own insurance until you are done receiving medical treatment.  If you do not have insurance, then you will be subjected to setting up payment plans or fighting to keep your medical bills out of collections.   

This does not seem fair in any case but unfortunately that is how our insurance companies operate.  If you have insurance, your personal injury protection automobile insurance or your private medical insurance will pay your medical bills.  Sounds great right?  Well, the one thing you must realize is that once you are done treating, if the at-fault party has insurance, your insurance company will have a lien which is known as a subrogation interest in your personal injury case because your insurance company will want to be paid back for the medical bills they covered for your treatment.

So, how does that work?  Well, at some point in your case, your doctors will determine that you are fixed and stable.  This may not mean you are back to normal, it may just mean that the treatment is no longer “curative”.  This means that you are as good as you are going to get.  The at-fault party’s insurance company at this point will be trying to reach some sort of settlement with you based on the total of your medical bills plus what you have endured as a result of the accident. 

If you reach a settlement, you will be faced with the dreadful liens a/k/a subrogation interests from your own insurance company.  Your insurance company will likely take their cost of medical bills out of your settlement unless you get them to reduce them.  It is exciting to say that in most, if not all of our cases, we successfully negotiate a reduction which puts more money in our client’s pocket.

In these types of cases, it is always beneficial for the injured party to consult with an attorney.  Our firm assesses these cases straightforwardly and honestly.  There have been cases where we have strongly advised that an attorney is needed and we have advised in many cases that an attorney is not needed.

Personal injury cases are normally pretty complicated and insurance companies want to get as much money back and to pay the least possible.  We work hard at protecting the injured person and we take the time to fully advise our potential clients of the challenges they face in their personal injury case.      


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