In a Texas accident, Who Covers Medical Bills?

Understanding Texas Insurance Law

According to The Wilhite Law Firm, the foundation of Texas’ insurance system is at-fault theory. Consequently, the insurance of the motorist who caused the accident normally covers the victims’ medical expenses. The victim has to prove the other motorist was at fault in order to be entitled to payback.

Drivers Without Insurance or Underinsured

If the at-fault motorist doesn’t have insurance or if you share any responsibility for the accident, navigating recompense could get difficult. Working with a seasoned automobile accident attorney at The Wilhite Law Firm can enable you to look at your legal alternatives using Texas law.

Coverage of Medical Expense Insurance

Optional coverage is available for inadequately insured or uninsured drivers. Should the at-fault motorist be uninsured or underinsured, UM/UIM coverage can offer financial defense. UM coverage covers a motorist who does not have insurance; UIM coverage covers a motorist whose insurance is insufficient.

Unless they specifically refuse it in writing, Texas drivers are routinely provided PIP coverage in addition to medical payments (MedPay). PIP pays medical expenses independent of personal culpability. MedPay is optional additional coverage for medical bills up to the policy maximum. Both can lessen the financialburden an accident causes.

Health Insurance

Your health insurance may cover medical bills following an automobile accident, but you could have to pay co-payments and deductibles.

Driver’s Employer’s Insurance

By filing a personal injury claim against the at-fault motorist’s employer, you could be able to get more thorough insurance coverage should the accident happen while the motorist was working.

Personal Injury Lawsuit

One could sue the at-fault driver directly. Drivers without insurance could also have assets worth using for repayment. In Texas, a legal claim deadline is two years following an accident.

Inadequate Medical Expense Coverage

Should the insurance of the at-fault driver not cover major medical expenses, you could have numerous choices:

•  Leverage your UIM coverage.
• Use PIP or MedPay from your motor insurance.
• Claim something with your health insurance company.
• File legal claims against the responsible motorist.

Medical Liens

A medical lien is a claim for reimbursement from organizations paid for your medical treatment inside your personal injury lawsuit. To offset these expenses, they are entitled to a portion of your settlement or verdict.

Subrogation of Health Insurance Providers

Should your health insurance cover your treatment, they could ask for recompense from any settlement or verdict you obtain. The insurance provider might receive payment from the responsible party using a procedure known as subrogation.

Determining Texas Liability
Texas applies a modified comparative fault system. Compensation is given if your error percentage is 50% or below, but it gets less as your fault percentage increases. Liability assessment involves the review of many kinds of data.

Claiming Medical Bill Files

To make a claim for Texas medical expenses following an accident:

• Follow your doctor’s advice regarding post-accident care.
• Keeping all bills and related documentation, as well as accident scene pictures, is important.
• A Texas auto accident lawyer at The Wilhite Law Firm can help with the insurance claims process.

The Wilhite Law Firm

The experienced lawyers of The Wilhite Law Firm can assist if you find the insurance claims process taxing. Our lawyers have effectively collected compensation for wounded individuals to cover other losses and medical expenses since 1977. We are available to discuss your auto accident claim. Our offices are in Fort Worth and Dallas, where free consultations are available.