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Medical bills After a Car Accident

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/26/2017

Q: I was in voles in a hit and run they lady kept going now my car is messed up . I’m hurting now should I go to a dr?

A: If you are injured, whether it is a hit-and-run or not, it is your call if you see a doctor. Even if you ask your insurance company this question, they are going to tell you the same thing. There is never any guarantee that your medical bills will be paid by your insurance company (or the other insurance company if it wasn’t a hit-and-run) and an insurance company will never initially commit to paying them.

The good news is that if you have uninsured motorist coverage, medical expenses are included in the coverage. Unfortunately, still with no guarantee of payment. You can always ask your car insurance agent for the details of medical expense payments under this coverage, but most likely they will refer you to file a claim so a claims adjuster can review your policy. If you ask the claims adjuster, you will be told that they will pay accident-related medical expenses and to seek medical attention if you need medical attention. However, until they review the bills from your doctor they won’t commit to paying them.

So, if you are injured enough you feel you need a doctor, go see a doctor. Don’t base your decision to seek medical care on whether or not the car insurance company is going to pay for it.


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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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