Medical care should be your number one priority after getting into a truck accident. But paying for medical care can be tricky if you’ve been harmed or seriously injured. Truck accident victims are often unsure which insurance coverage to use to pay for their health care costs.

Those injured in an accident may not even know if their health insurance covers truck accidents. The honest truth with any insurance is that the amount of responsibility an insurance carrier has will depend on several factors, like deductibles on relevant policies, the negligent party, and the types of insurance coverage used.

This article will discuss whether insurance will cover your truck accident injuries.

How do co-pays, deductibles, and car accident injury bills work?

Regarding truck accident injury bills, there’s a pattern of payment responsibility. The first step involves paying any co-pays or deductibles in place on your insurance policy. These are usually standard for a health insurance policy.

For example, if you’re injured in a truck accident and receive medical care for your injuries, you would follow the same steps as if you were getting treatment for other health issues. This means you’ll pay the usual deductible or co-pay under your health plan.

In addition, some hospitals, ambulances, or doctor’s offices don’t require upfront payment from injured parties. Instead, they will provide the services you need and work with you and your insurance company to determine who needs to pay.

Which insurance pays first?

With insurance, the first payments tend to get charged to your car insurance. Most states require motorists to have basic liability car insurance coverage before they can drive their cars. The amount of coverage varies greatly from driver to driver. But medical bills are usually paid up to the negligent driver’s policy limits.

If you used your health insurance coverage to pay your medical bills first, your health insurance company will have to make a claim against the negligent driver’s car insurance company.

Using medical insurance coverage

Once you’ve exhausted other forms of payment, your health insurance will be responsible for paying for treatment for injuries related to your truck accident. However, your health insurance policy will determine what is and isn’t covered.

You may still have to pay for:

• Your deductible amount under your health insurance policy
• Co-payments required of you under your health insurance policy
• Charges not typically covered by your policy

How to recover injury-related expenses

If you’re injured in a truck accident where you were not at fault, your insurance company must work behind the scenes to get the at-fault party’s policies to absorb most of the cost. You may also be able to recover some or all of your out-of-pocket expenses. This includes things like deductibles and co-pays, which could be included in a truck accident settlement with the negligent driver and their insurance carrier.

Keep in mind that complications arise in truck accident cases. Having a truck accident attorney on your side can help you navigate any of the complexities that arise.

Contact Kurtz, Peters, & Associates if you need a truck accident lawyer!

If you, a friend, or a family member have been injured in a truck accident, having an experienced personal injury firm can make all the difference in the outcome of your claim and case. Our team at Kurtz, Peters, & Associates has a proven track record of success in truck accident cases. We have the resources, perseverance, and willingness to help you maximize your compensation. Let our dedicated legal team work for you today!