After an Auto Accident, You May Need Help to Pay Medical Expenses
We do more than help people obtain compensation through a personal injury claim or lawsuit. We help clients navigate the complex insurance process following a car, motorcycle or other motor vehicle accident. Contact us.
In Connecticut, if you have purchased optional Medical Payments Coverage — sometimes known as Med Pay — as a part of your automobile insurance policy, that policy should cover your medical bills up to the Med Pay limit. This is optional medical insurance coverage you can buy as part of your auto insurance, and will cover you or you family members who are injured in a motor vehicle accident. It is the primary insurance for motor vehicle accident cases— meaning that it pays first, before your group medical coverage is required to pay.
If you did not purchase med pay, or live with a relative who does have it, your next level of coverage would be under your major medical policy (such as Oxford, Blue Cross Blue Shield, etc.). It is important to understand that in a car accident case, your major medical insurance carrier or HMO may not pay your medical bills until it receives a formal letter from your automobile insurance carrier stating that your medical bills are not covered by med pay or another rider on your auto policy.
If you do not have medical payments coverage and you do not have major medical insurance, you may be eligible to apply for state assistance. The State-Assisted Medical Assistance program (SAGA) is designed specifically to provide emergency medical care to low-income individuals who do not have insurance coverage and who have not been determined to be eligible for other state or federal assistance.
Even if you do not have med pay coverage or a major medical policy and you do not qualify for SAGA or another state or federal program, you may still have options. If you were injured in an auto accident, the guidance of an experienced attorney can be invaluable in obtaining the insurance coverage, assistance or compensation you need to pay medical bills.
Related topics:
- What To Do After an Auto Accident
- Auto Accident Injuries
- Car Accidents
- Seven Excuses Insurance Companies Use
Helping Put Lives Back Together for More Than 25 years
We can help you, too.
The main offices of LaCava Legal, the personal injury practice of Attorney John LaCava, are located in Stamford, Connecticut, but you can reach us at any of our three convenient Fairfield County locations by calling 877-293-6717 or by contacting us online with a brief description of your situation. You can speak with a lawyer directly about your medical bills. Initial consultations are always provided free of charge. Evening, weekend and off-site consultations are available by appointment.
You will pay no fees or costs unless we recover compensation in your case.
