Car accidents can be traumatic, especially if you or your loved ones are personally injured. the stress of paying medical bills can make this difficult time even more difficult. This brief guide will help you learn how to submit medical bills to the auto insurance company for your claim.
step 1: get treatment with your health insurance
If you are injured in a car accident, you should always be treated by a medical professional as soon as possible. if you have health insurance, it is important that you use it. Many people who are injured in car accidents may delay getting the medical treatment they need in hopes of receiving payment to cover medical expenses sooner. You may receive a payment to cover medical expenses, but you will not receive it until you have finished receiving medical treatment, and it will not be paid directly by the insurance company to your doctor. therefore, it is important that you act now and get the treatment you need using your health insurance.
Using your health insurance to cover your medical treatment will mean:
- You can get the medical treatment you need, when you need it.
- The treatment you need will now be more affordable.
- You will not be in debt until you receive a payment.
- Your treatment will cost less, so you may have more money left over if you do get paid.
- You have chosen the most affordable treatment option in the event you do not receive payment.
Step 2: Send the medical bills to the auto insurance company
Contact the appropriate auto insurance companies and report the accident to them as soon as possible. Keep a record of any medical treatment you receive in connection with the car accident. If the other driver was at fault, your insurance company may eventually cover your medical bills.
In some cases, your own auto insurance may cover medical bills. this would be the case if you have insurance that includes “medical expense payments” or “med-pay”. To start this process, call your insurance provider, tell them about the accident, and receive a claim number that you can use when submitting your medical bills to them.
step 3: receive a payment
Once you have completed your medical treatment and submitted your medical bills to the auto insurance company, you may receive a payment. Depending on the extent of your injuries and the complexity of the circumstances, it may be months or years before you receive a payment. In some cases, once payment is received, you may be required to reimburse your health insurance provider. however, since health insurers receive deeply discounted rates, you will end up paying much less for your health care than you would if you had chosen not to use your health insurance.
get car insurance
We hope this guide has helped you learn how to submit medical bills to the auto insurance company for your claim. Auto insurance can financially protect everyone involved in a car accident. We specialize in providing affordable auto insurance and SR-22 insurance to those in need. we have the lowest rates in chicagoland and can give you a free quote with just 2 minutes of your time. If you don’t have car insurance or are looking for a more affordable rate, get a free insurance quote on the spot.