When you are involved in a car accident that was not your fault, and you end up with medical bills, you have a few different options available to you in order to pay your medical bills, depending upon the exact situation that you find yourself in.
#1 Personal Injury Protection
Your own insurance coverage should include personal injury protection. Your personal injury protection will cover the cost of your medical bills after you pay your deductible up until your coverage limit. So, if you have a $1,000 deductible, $20,000 in medical bills, and $15,000 in personal injury coverage, you would have to pay the first $1,000 in bills, then your insurance would cover the next $15,000 of your medical bills, and you would have to cover the remaining $4,000 yourself, resulting in a total of $5,000 out of pocket for your medical bills. The higher your coverage, the less chance that you will have to pay more than the deductible out of pocket.
#2 Uninsured Motorist Coverage
If the driver who hit you didn't have insurance coverage, they will face tickets and bills from the state for driving without insurance coverage. However, that doesn't help you with your medical bills, which is why you should carry uninsured motorist coverage, so if you are ever hit by someone without insurance, your medical bills and vehicle damage will be covered. Your uninsured motorist coverage will provide you with money for medical bills and to repair your vehicle, up to your coverage amount.
#3 Other Driver's Insurance
If the other driver was at fault, or was more than fifty percent at fault, their insurance should cover some if not all of your medical bills. You are going to want to provide your insurance company with the other driver's insurance coverage, and your insurance company should negotiate with the other insurance company on your behalf. You will also have to file a claim and work with an adjustor from the other driver's insurance company to get your medical bills covered.
#4 Personal Injury Lawsuit
Finally, you can bring a personal injury lawsuit against the driver who was responsible for the accident. To do this, you'll want to hire a auto accident lawyer to pursue a lawsuit for you. You'll most likely end up suing the other driver as well as their insurance company in order to recoup your medical bill costs. You can also recoup things such as lost wages and vehicle repair expenses as well with a personal injury lawsuit.