In Texas, who will pay my medical bills after a car wreck?
If you are injured in a motor vehicle accident in the state of Texas and you have medical bills you can file a claim with your own insurance company for personal injury protection (“PIP”) coverage. Texas insurance policies must include at least $2,500.00 in PIP coverage. PIP coverage provides money for medical bills, lost wages and other costs resulting from your injuries. PIP coverage pays for these expenses regardless of who is at fault for the accident. It is important to hire an attorney to help you with these matters.
Texas is known as an at-fault insurance state. What that means is that the insurance of the person who was at fault for the accident is responsible for paying for the injuries and medical bills of the person not at fault. The minimum insurance coverage required by law in Texas is $30,000.00 for bodily injury per person, $60,000.00 for bodily injury for two or more people and $25,000.00 for property damage per accident.
If your injuries are more serious, and your bills go above and beyond your PIP coverage you can turn to your own health insurance to help pay for your medical bills. You may have private health insurance, employer-provided insurance or in some cases government insurance. However, your health insurance has the right to be reimbursed for your medical treatment. If you have a lawsuit and you win your case your health insurance company has the right to subrogate your lien. That is why it is important to have your lawyer work with you so you can receive proper medical treatment in order to increase the value of your case.
If the person who caused the accident does not have enough coverage to compensate you for your injuries you may be able to turn to your own insurance if you bought uninsured or underinsured motorist coverage (UM/UIM). If your policy has UM/UIM coverage, your own insurance will take the place of the at fault driver’s insurance in order to pay for your losses. An attorney will be able to help you file the appropriate claim with the appropriate insurance company so you may be compensated for your loss.
Unfortunately, insurance claims and lawsuits take time, often a lot of time! You have two years in the state of Texas before you have to file your personal injury claim or its invalidated. While you are waiting to be compensated for your accident it is very easy to fall behind on your bills that don’t quit. That is why Bridgeway Legal Funding is here to help. Bridgeway Legal Funding can help you get the money you need today and you only have to pay it back if you win your case. Talk a Bridgeway team member today and you could have the money you need to stay afloat within 24 hours. Pre-settlement funding from Bridgeway is a quick & easy way to make ends meet while you wait for your due compensation.