Who Pays for Car Accident Medical Bills?

Who Covers Medical Bills in a Car Accident?

A car accident is shocking and upsetting, especially if you or a loved one was injured. You have overwhelming bills piling up in the aftermath, and you’re unsure what your settlement will be worth. Many car accident victims wonder: how are medical bills paid after a car accident

Who is responsible for medical bills in a car accident will vary depending on state laws, the type of accident, and other factors. The liable party in the accident could give you a settlement to cover medical expenses and other damages, but it won’t happen instantaneously. Settlements can take months or years to sort out.

Farah & Farah’s car accident attorneys are here to help. We will help you understand who covers medical bills in a car accident and get you the compensation you deserve. Call us now at 877-245-6707 for a free, no-obligation case review.

How Are Medical Bills Paid After a Car Accident?

Medical bills may be paid by an insurance policy required by your state, your health insurance plan, or a settlement payment. However, car accidents are complicated, and determining who pays for car accident medical bills and the ways in which those bills are paid can be tricky.

At-Fault vs No-Fault State Laws

Each state has different rules when determining liability, so depending on where you live, different entities may be responsible for your medical bills.

Florida is a no-fault state, so if a car accident occurs, both parties will file a claim with their respective insurance companies. All insured Florida drivers have $10,000 worth of PIP, or personal injury protection, which provides immediate compensation for up to 80% of your medical bills. Typically, the remaining 20% of your bills will be paid by the settlement amount if the case settles.  

Georgia is an at-fault state, so injured parties must pay for medical expenses upfront if a car accident occurs. Your insurance company will only pay you after your case has been settled. If you have medical insurance, that should cover some portion of these medical expenses. If you don’t, you may be able to get a lien from your medical provider. This means that you will be responsible for paying these expenses after your case settles.

Whether you live in Florida or Georgia, our personal injury attorneys are standing by to help. We can help you file for PIP insurance and negotiate with medical providers to get you the care you need. 


MPC, or Med-Pay Coverage, is an insurance add-on that will immediately pay for 100% of your medical costs (up to the policy limit). Med-Pay is not included in most car insurance plans, so check your “Declarations or Coverages Page” to understand your coverage options. 

Unlike medical insurance, MPC does not have a deductible. Adding an MPC to your plan can offset high deductibles or cover co-pays.

Health Insurance

If you have medical insurance, they should be able to cover some of the care expenses and help you pay your providers on time. Once you’ve settled a personal injury claim, your health insurance company can obtain a lien for whatever damages you receive. 

What if I Don’t Have Health Insurance?

If you do not have health insurance, your best course of action is to hire a car accident attorney. They can help you find medical providers who are willing to treat you on a lien basis, so you can get the care you need immediately. You will sign a lien letter, agreeing to reimburse them after your claim is settled. 

Since unstable weather conditions are a major cause of car accidents, it’s important to exercise caution during inclement weather by slowing down and increasing your following distance. Doing so can help you avoid serious traffic accidents and keep others safe too! 

Under Georgia law, hospitals, nursing homes, and traumatic burn care centers offer liens. However, it does not apply to emergency medical services. 

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Let Us Worry About How Medical Bills Are Paid After Car Accidents

A car accident can change your life in a split second. As if the trauma of an accident wasn’t enough, you have to deal with not only the burden of paying medical bills but also figuring out who covers medical bills in a car accident. You may feel like your whole world is being turned inside out.

The good news is that you are not alone. Farah & Farah’s compassionate car accident attorneys are here to help you in your time of need. We can help you get the right medical care, file paperwork, negotiate medical bills, and more. It’s time to get the justice you deserve, and we are ready to fight for you!

Call us now at (877) 245-6707 for a free, no-obligation case review.


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