People are advised to carefully consider what level of cover they need for their vehicles and for a good reason. This will determine how much compensation you are entitled to in case of accident and to what extent your related expenses will be handled.
When you caused the accident and injured others
There is a different post-accident procedure, depending on who’s to blame. If the accident was your fault and you caused injuries to others, then you will be paying your victim’s medical bills to some extent, as well as any connected expenses. These are all grouped under the term of damages. Usually the insurance company will investigate what happened and determine whose fault it was. To pay for the damages, you are legally obliged to purchase minimum limits of liability.
When you are injured by someone else
When the accident was someone else’s fault and you suffered damage, the guilty driver must be held responsible and cover your medical bills. However, this cannot happen on an ongoing basis. The law considers medical bills as part of the damage and thus some of your expenses will be covered. In case they are insured, it will be fairly easy, but when they lack an insurance, the process becomes difficult. The same is valid for drivers who do not have a proper level of cover. It’s the Medical Payments Coverage will ensure that all medical bills are handled, whether it’s about drivers or passengers, and regardless of guilt. It can even cover certain treatments that are not specified in one’s health insurance. The MPC will work in your favor and cover the medical bills even also you have no health insurance.
What to do after an accident
These steps are crucial. First of all, you need to get any emergency treatment necessary. Then, identify which insurance policies you may have (auto, health etc.) and contact the respective companies. If there is another driver involved and possibly guilty, you should also contact their insurer. Do not expect medical bills to be paid as they arise. Before any money is given out, there can be a lengthy settlement. In the meanwhile, you can get expert help from the Spillers Law Firm and pay your medical expenses.
Do arrange for an ongoing treatment if necessary, never postpone it. Some states have a non-fault auto insurance system. This implies paying for a mandatory amount of medical bills coverage.