If you’ve been injured, the medical bills after a car accident can pile up quickly, putting serious strain on your finances now and in the future. Understanding who is responsible for these costs is key to protecting your financial well-being. Medical care has become incredibly expensive in the United States, and the costs of treating serious accident-related injuries can far exceed what most people can afford to pay on their own.
This raises an important question: Who pays for your medical bills after a car accident in Dothan?
The answer to this question depends on several factors, including what you do to protect yourself after your collision. While you may be entitled to financial compensation for your medical bills and other losses, it is up to you to fight for the compensation you deserve.
Seeking Coverage for Your Medical Bills After a Car Accident in Dothan, Alabama
Generally speaking, seeking coverage for your medical bills after a car accident in Dothan involves filing an insurance claim. While this usually means filing an auto insurance claim, there are some other possibilities as well. Depending on the circumstances of your case, here are some of the options you may have available:
Medical Payments (MedPay) Insurance
If you have medical payments (MedPay) coverage under your auto insurance policy, filing a MedPay claim could help you cover some of the costs of your accident-related injuries. This is optional coverage in Alabama, so you will need to see if you have this coverage available. One of the key aspects of MedPay is that it provides “no fault” coverage, which means you can file a claim regardless of who is to blame for your injuries.
However, another key aspect of MedPay is that coverage limits are usually fairly low (often less than $10,000). As a result, even if MedPay is available, it may not be enough to cover all of your medical bills after a car accident, so it’s important to consider additional options.
Bodily Injury Liability (BIL) Insurance
If you were injured in a car accident that was the other driver’s fault, you may be able to file a claim under the other driver’s bodily injury liability (BIL) insurance policy. Unlike MedPay, this type of coverage is mandatory under Alabama law, and all drivers are supposed to have at least $25,000 in BIL coverage per person per accident.
To file a BIL claim, you will need proof that the other driver was at fault in the collision. When you hire a Dothan car accident lawyer to represent you, one of your attorney’s first priorities will be to preserve the evidence needed to prove your legal rights.
Uninsured/Underinsured Motorist (UIM) Insurance
A third potential option is to file an uninsured/underinsured motorist (UIM) claim. This is also optional coverage in Alabama; so, here too, you will need to see if you have this coverage available. If you do, you can use your UIM coverage in three main circumstances:
- The driver who hit you is uninsured (despite Alabama’s mandatory insurance requirements).
- The driver who hit you doesn’t have enough insurance to cover your medical bills and other losses.
- The driver who hit you fled the scene and cannot be identified through an investigation.
Filing a UIM claim is similar to filing a BIL claim in that you need proof of liability. As a result, even though you will be dealing with your own insurance company, it will still be important to have an experienced Dothan car accident lawyer on your side.
Commercial General Liability (CGL) Insurance
If the driver who hit you was working at the time of the collision, his or her employer could be liable for your medical bills and other losses under Alabama law. In this scenario, you will most likely need to file a claim under the employer’s commercial general liability (CGL) insurance policy. This is a unique process that presents unique challenges, so experienced legal representation is important here as well.
These are just examples of potential options for covering your medical bills after a car accident in Dothan. Regardless of the claim (or claims) you are eligible to file, seeking coverage for your medical bills starts with seeking experienced legal representation. To get the help you need to seek the financial compensation you deserve, schedule a free consultation at Morris, Andrews, Talmadge & Driggers, LLC today.
Discuss Your Legal Rights with an Experienced Dothan Car Accident Lawyer for FREE
If you’ve been hurt in a car accident in Dothan, Alabama, you need answers fast. At Morris, Andrews, Talmadge & Driggers, LLC, our experienced attorneys are ready to explain your legal rights, help you pursue full compensation for medical bills and other losses, and guide you through every step of the claims process. The sooner you reach out, the sooner we can start protecting your interests.
Contact Morris, Andrews, Talmadge & Driggers, LLC today online or at 844-654-6228 for a FREE case evaluation. Our Dothan car accident lawyers represent accident victims throughout Alabama.
