Who Pays the Medical Bills After a Car Accident?

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If you’ve suffered an injury in a car accident, the medical bills alone can be overwhelming. To make things that much more challenging, your medical providers want to be paid for this immense expense upfront.

It’s a fact your car accident medical bills can be one of the most challenging aspects of your claim, but an experienced St. Louis car accident attorney can help you obtain compensation.

Options for Paying Car Accident Medical Bills

It’s only natural to wonder who pays for medical bills after a car accident, and your payment options fall into three basic categories.

Your health insurance coverage

Does health insurance cover car accident bills? If you have robust health insurance coverage, your accident-related medical bills can proceed through your own policy, but it’s important to keep the following considerations in mind:

  • The at-fault party’s insurance provider may argue that any contractual adjustments or write-offs you are afforded by your provider shouldn’t be included in your damages.
  • Your health insurance provider may seek repayment – or subrogation – upon your claim settling or receiving a court award.
  • Copays and deductibles remain an expense that you’ll need to shoulder.


MedPay in Missouri is a unique type of car insurance coverage that pays for medical bills related to accidents – up to the amount of coverage purchased – regardless of who is at fault. While you are not required to purchase MedPay in Missouri, your insurance provider is required to offer it – and if you choose not to purchase it, you must do so in writing.


Sometimes, a healthcare provider will agree to place a lien on a car accident claim in lieu of payment and, as a result, postpone the collection of payment until the claim is settled or resolved in court.

Missouri has laws in place that implement a percentage cap on how much lien holders – regardless of how many there are – are entitled to receive out of the final settlement or court award.

Consult With an Experienced St. Louis Car Accident Attorney

The medical bills you face after a car accident can add up quickly, but the skilled St. Louis and Edwardsville car accident lawyers at Walton Telken Injury Attorneys dedicate our practice to helping clients like you obtain the compensation they need. Let us help you cover the physical, financial, and emotional losses you’re facing. For more information, don’t delay reaching out to contact us online or call us at 844-307-7349 today.

Car Accident Case FAQs

Is an attorney necessary?

Car accident claims are complicated, and your medical bills are likely to be high. As such, having experienced legal counsel on your side is always to your advantage.

How can I afford my medical bills and an attorney?

Your attorney will help you resolve the matter of how to address your medical bills and will not bill you until after your claim has been resolved – at which time, they’ll receive a prearranged percentage.

Will I have to go to court?

Most car accident claims settle prior to court, and yours will likely do the same.

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