Who Pays My Medical Expenses While My Personal Injury Case Is Pending?

After an accident, one of the most pressing concerns for injured individuals is determining how to cover the costs of medical treatment. While your personal injury case may eventually provide compensation, those funds won’t be available until the claim is resolved. So who pays in the meantime?

At Cohen, Feeley, Altemose & Rambo, we know how overwhelming it can feel to juggle medical bills while focusing on recovery. The good news is that several options may help cover your costs before your case is settled.

In many situations, your own health insurance will step in first. This applies whether you have private insurance, Medicare, or Medicaid. If your accident involved a motor vehicle, your own automobile insurance carrier will likely provide primary coverage for medical expenses, regardless of who was at fault for the crash. If that coverage is exhausted, your own health insurance will be secondary. If you end up paying anything out of pocket, such as deductibles or co-pays, keep receipts and invoices to provide to your attorney. 

If neither of those applies, providers may agree to treat you under what’s called a “letter of protection.” This is an agreement, arranged by your attorney, stating that payment of medical bills will be forestalled. Instead, it’s agreed that such bills will be paid out of any future settlement or verdict. This allows you to continue receiving the medical care you need without constant financial worry.

Ultimately, the responsible party, through their insurance, should cover your medical costs, but that payment comes later, after your case concludes. Until then, our job at Cohen, Feeley, Altemose & Rambo is to guide you through these options, protect your financial stability, and ensure your treatment continues uninterrupted.

You shouldn’t have to choose between healing and paying your bills. If you’ve been injured, let our team of experienced personal injury lawyers help you navigate this difficult process. We promise to fight for the compensation you deserve.