After a car crash in Louisiana, who covers your medical bills depends on several factors, including who was at fault for the accident and what insurance coverage is available. Louisiana operates under a fault-based system, meaning that the driver who caused the accident is typically responsible for covering the damages, including medical expenses.
The question is, what will happen in the meantime if the at-fault driver flees the scene of the crash? Here, our Baton Rouge car accident attorneys explain your potential options.
Who is Responsible for Covering My Medical Bills After a Car Crash in Louisiana?
Medical bills from a car crash can accumulate quickly, from ambulance rides and hospital stays to physical therapy and follow-up visits. Without proper coverage, these costs can overwhelm your finances. At the Russell Law Firm, our traffic collision and injury lawyers will outline your legal options and help you understand which type of coverage is available for your unique circumstances.
That may include:
- At-Fault Driver’s Insurance: If the other driver is found to be at fault, their liability insurance should cover your medical bills. However, this process can take time as the fault is determined and claims are processed, which may leave you covering the costs upfront until reimbursement.
- Your Health Insurance: You may use your personal health insurance to cover medical expenses. However, your insurance company may seek reimbursement from the at-fault driver’s insurer through a process known as subrogation.
- Medical Payments (MedPay) Coverage: If you have MedPay coverage as part of your car insurance policy, it can help cover immediate medical costs, regardless of who is at fault, up to your policy limits. That includes hospital and ambulance fees, doctors’ appointments, prescription medications, medical supplies, X-rays, MRIs, lab tests, and rehabilitation costs.
- Uninsured/Underinsured Motorist (UM/UIM) Coverage: If the at-fault driver lacks insurance or sufficient coverage to pay your medical bills, your UM/UIM coverage can help pay for expenses.
It’s essential to seek medical treatment as soon as possible after a crash and work with our experienced attorney, who can help ensure you receive the compensation you deserve for your medical expenses and other damages.
The Russell Law Firm is in Your Corner, and We Fight to Win
If you or someone you love has been injured or killed in a traffic crash caused by negligence in Louisiana, contact our dedicated East Baton Rouge Parish personal injury attorneys today at 225-307-0088 or online to get the legal support you need to produce real results for your unique case.
Information furnished herein is only general and not a substitute for personalized legal advice. Any discussions and photographs visible herein are not any depiction of any actual event or scene but merely a dramatization.