What insurance company is responsible for your medical bills after your New York Car Accident?
Find out who should pay your medical bills, what you need to do so you don't get stuck paying the bills out of pocket, and what the insurance company can ask you for.
What company should pay for your medical bills after your car accident?If you were in a car, bus, or truck accident- or were a pedestrian or bicyclist that was hit by a car, bus, or truck you have insurance available to you to pay for your medical bills. The way it works is your own insurance company will pay for your medical bills. If you don't have insurance yourself, but someone you live with does, their insurance may very well be able to cover you. If you don't have car insurance, and neither does anyone in your home, the other driver/owner of the vehicle's insurance will cover your bills. If there is no insurance, in the event of an uninsured driver, or a hit and run, then New York State has a program through the Motor Vehicle Accident Indemnity Corporation (MVAIC) which may cover your bills, however you should hire an attorney to deal with the regulations involved with MVAIC.
What do you need to do so that you can get your bills paid?The most important thing you must do is timely notify your insurance company, and any others if it applies to your situation, that you were in an accident. This process is called providing a notice of claim and by law it has to be done within 30 days. The most effective way to start this process is to call your insurance company. Make sure you call the actual company (use the number on your insurance card or their website for claims) and not your insurance agent who sold you the policy. The insurance company should promptly send you any forms they require you to fill out. Keep a copy of any form you fill out and a record of when you sent it in should a dispute arise and if you are pursuing litigation contact your motor vehicle attorney in NY.
What can the insurance company ask you to do?Once you have submitted all of your paperwork and you are receiving benefits and medical treatment there are certain things the insurance company can ask you for. They can request a written statement from you. They can do a formal recorded interview called an Examination Under Oath where the insurance companies lawyers will ask you questions. They can ask you for documents related to your accident and treatment. They can have their doctor examine you, somewhat misleadingly called an Independent Medical Examination. The main thing with any of these requests is that you should keep in mind that you must cooperate with the insurance company. However, if you feel as though you are being mislead or you are uncomfortable with the insurance companies requests you should seek help from an attorney. Throughout this process the insurance company may try to confuse you or take advantage of your lack of experience with the process in an attempt to deny your claim. If you do try to go at this process alone, make sure you keep good records of all of your conversations, and when they occurred.