Under North Carolina law, if you have been injured in an accident that was not your fault, the person who caused the wreck and his or her insurance company are responsible for your medical bills. Unfortunately, getting your bills paid is not usually as easy as it should be.
I have never seen the insurance company for the person who caused the wreck pay the medical bills as they came due. The insurance company for the person who caused the wreck, almost always waits until you are ready to settle the entire claim before they will pay anything. This is a big problem if you don’t have regular health insurance, Medicare, or Medicaid to pay your bills while you wait. Otherwise, your doctors may turn you over to a bill collector, which really sucks. If you don’t have insurance to pay your medical bills, you should contact your healthcare providers immediately to try and set a payment plan. If you have health insurance, my advice to my clients is to use it. However, some people feel differently about this.
Once you are ready to settle your entire claim, you should collect all of your medical bills and medical records. If you don’t have health insurance, add up your medical bills. That is the amount that you are entitled to receive for medical bills from the insurance company of the person who caused the wreck. If you have health insurance, you should add up the amounts that your health insurance has paid along with the amounts that you paid out-of-pocket, and still owe. That is the amount you should get for medical bills from the insurance company of the person who caused the wreck.
Unfortunately, liability insurance adjusters will often claim that either your medical bills were too high, or that some of your treatment was unnecessary. If the insurance company claims that your bills were too high, then ask the insurance adjuster to go back to your healthcare providers and ask them to reduce their bills. If that doesn’t happen, they should pay the full amount of your bills. Likewise, if they say that any of your treatment was unnecessary, ask them to put that in writing, take it to your healthcare provider and ask your healthcare provider to write a response to the insurance adjuster. If your healthcare providers justify the treatment, then the insurance company should pay for it. If the adjuster continues to refuse to pay the fair amount, you may have to file a lawsuit.
In summary, you’re entitled to recover the full amount of your medical bills. If the insurance company for the person who caused the wreck refuses to pay those bills, then you should ask for a letter from them listing the reasons for their refusal. Take that list to your healthcare provider and get a response that justifies the prices and treatment. If the adjuster still will not pay your all of your medical bills, you will either have to accept less than you are entitled to or hire a lawyer and go to Court.