Got into a car accident as a passanger. I have ambulance fees as well as hospital bill from that night. However, I would like to file a medpay claim with my insurance company. The legal maximum amount is $5,000. can I get the full $5,000 to pay for the bills I currently have as well as follow up exams? Or, do I only get enough to pay my current bills?
Notify your own auto insurance company if you have one that you were involved in an accident and that you were injured. You will be given a claim number that you should provide to any of you medical providers and they will bill your insurance company. If you do not have an auto insurance policy, the claim should be submitted to the insurance company for the car that you were in. If you were injured you should also consult with an attorney specializing in auto accident cases. If successful, you are entitled to be compensated for pain and suffering, medical expenses and any other expenses. AVVO is a great place to locate attorneys in your area. Be sure to pay attention to Client Reviews.
Every auto ins policy in PA has at least $5000 in medical bill coverage. It's no called "med pay." We now call it PIP. n any case the ins co is obligated to pay your medical & pharmacy bills related to injuries suffered in the auto accident up to the limits of coverage. It's not just for emergency treatment, if that's your question. It includes all medical treatment you obtain subsequently. Usually the bills are submitted by the medical providers direct to the ins co. There are no deductibles or copays. If you received a bill just provide the auto ins claim# to the medical provider so they bill direct to the ins co.
Disclaimer- This response is not intended to establish any attorney-client relationship. This response only provides general information which may not be applicable to your particular situation. You should contact an attorney for a complete review in order to receive a formal legal opinion.
If you own an insured car, or if someone in your household related to you by blood or marriage owns an insured car, that insurer should pay your medical bills up to whatever limit was selected ($5,000 is the required minimum). If you do not own a car and no one in your household owns a car, the car insurance on the vehicle you occupied will pay medical expenses. You may also have a negligence/liability claim against the driver of your car (or another vehicle involved). You should seek a lawyer who handles car accident cases.
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