After a car accident in Maryland, dealing with medical bills can be overwhelming. Understanding your options can help you manage these expenses effectively. Here’s a guide to help you go through this process.
Understanding your insurance coverage
Your auto insurance company must offer $2,500 in Personal Injury Protection (PIP) in Maryland. You can buy more PIP coverage or waive it in writing. PIP pays for medical expenses and a portion of lost income, regardless of who caused the accident. Send your bills to your PIP insurer first for quick payment.
After you use up your PIP coverage, your health insurance will likely pay for more medical costs. Give your health insurance information to your doctors. Remember, you’ll pay co-pays and deductibles. Your health insurer may ask for money back from your settlement.
Medical payments (MedPay) coverage is optional in Maryland. It can cover medical costs beyond your PIP limits. Check your policy or ask your agent if you have MedPay.
Seeking compensation from the at-fault driver
Maryland follows the contributory negligence rule. Even if you are only 1% at fault in the accident, you may not be able to recover compensation.
Important things to consider
You have three years from the accident date to file a lawsuit in Maryland. You need to complete this deadline to get compensation.
Maryland’s collateral source rule lets you recover all medical bills from the at-fault party, even if your insurance paid some.
Keep detailed records of all treatments, bills, receipts and insurance talks. Good records are vital for your claim.
It may be beneficial to ask a legal professional to handle your insurance claims or potential lawsuits. A lawyer can assist you in obtaining appropriate reimbursement for medical expenses and other damages.