How to Submit Medical Bills to the Auto Insurance Company
Car accidents can be traumatic, especially if you or your loved ones suffer personal injuries. The stress of paying medical bills can make this challenging time even more difficult. This brief guide will help you learn how to submit medical bills to the auto insurance company relevant to your claim.
Step 1: Get Treated Using Your Health Insurance
If you suffer injuries in a car accident, you should always get treated by a medical professional as soon as possible. If you have health insurance, it is important that you use it. Many people suffering injuries due to car accidents might delay getting the medical treatment they need in the hope of receiving a payout that will cover medical expenses ahead of time. It is possible that you may receive a payout to cover medical expenses, but it will not be received until you have finished receiving medical treatment, and will not be paid directly from the insurance company to your doctor. It is therefore 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 now will be more affordable.
- You won’t be in debt until you receive a payout.
- Your treatment will cost less, so you may have more money left if you do eventually receive a payout.
- You have chosen the most affordable treatment option in case you do not receive a payout.
Step 2: Submit Medical Bills to the Auto Insurance Company
Get in touch with the relevant auto insurance companies and tell them about the accident as soon as possible. Keep a record of any medical treatment you receive in relation to the car accident. If the other driver was at fault, it is possible that their insurance company will 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 expenses payments”, or “med-pay”. To get started with this process, call your insurance provider, tell them about the accident and receive a claim number that you can use when you submit your medical bills to them.
Step 3: Receive a Payout
Once your medical treatment is complete, and you have submitted your medical bills to the auto insurance company, you may receive a payout. Depending on the extent of your injuries and the complexity of the circumstances, it could be months or years before you receive a payout. In some cases, once the payout is received, you may have to reimburse your medical insurance provider. However, as medical insurers receive vastly discounted rates, you will still end up paying much less for your medical care than you would have if you’d chosen not to use your health insurance.
Get Auto Insurance
We hope this guide has helped you learn how to submit medical bills to the auto insurance company relevant to 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 who need it. We have the lowest rates in Chicagoland, and can provide you with a free quote with just 2 minutes of your time. If you don’t have auto insurance, or are looking for a more affordable rate, get a free quote from Insure on the Spot.