How are Medical Bills Paid After a Car Accident? | Arizona Car Accident Lawyer Explains

Описание: If you were hurt in an Arizona car accident, you’re likely asking one urgent question: *Who pays my medical bills—and when?* In this video, our Arizona car accident lawyer from *Jackson White Law Firm* explains the step-by-step process for getting your ER visit, imaging, follow-up care, and physical therapy paid, and how to avoid common insurance pitfalls that can delay your recovery or reduce your settlement.

What you’ll learn (fast):

*Emergency bills & ongoing care:* How providers bill after a crash and why statements keep coming.
*MedPay (Medical Payments Coverage):* How MedPay can pay bills quickly regardless of fault and why it’s different from liability insurance.
*Health insurance & deductibles:* When your health plan pays first, typical copays, and how subrogation reimbursement works at settlement.
*At-fault driver’s liability insurance:* Why it usually pays *last* (and only once) and how to protect the value of your claim while treatment is ongoing.
*UM/UIM coverage:* How your own uninsured/underinsured motorist coverage can fill the gap when the other driver has low or no insurance.
*Medical liens & provider balances:* Hospital liens, chiropractor/orthopedic liens, and how an attorney negotiates reductions so more money reaches you.
*Documentation tips:* What to save (invoices, EOBs, prescriptions, mileage) to strengthen your claim.
*Timing & strategy:* Why you shouldn’t settle before reaching maximum medical improvement (MMI).

Key payment sources in Arizona

1. *MedPay (optional add-on):* Pays reasonable and necessary medical expenses up to your purchased limit, quickly and without regard to fault.
2. *Health Insurance:* Often pays first, subject to your plan rules. Expect subrogation—your insurer may seek repayment from any settlement.
3. *At-Fault Driver’s Bodily Injury (BI) Coverage:* Compensates medical expenses, lost wages, and pain and suffering *after* treatment, once the claim is resolved.
4. *UM/UIM:* Your policy can supplement or replace the at-fault driver’s limits if they’re insufficient.
5. *Medical Liens:* Some providers agree to treat now and get paid from your settlement later; an attorney can often *reduce* these balances.

Pro tips from our injury team

*Get evaluated immediately* and follow the treatment plan—gaps in care hurt both your health and your case.
*Don’t give a recorded statement* to the other driver’s insurer before speaking with counsel.
*Track every expense* (copays, meds, devices, travel to appointments).
*Let your attorney coordinate billing* so claims go to the right payer in the right order and lien amounts are negotiated down.
*Check your policy* for MedPay and UM/UIM—these coverages can be game-changers.

Injured in a crash? Talk to us today.
The Jackson White Law Firm handles car accident claims across Arizona, guiding clients through treatment, insurance coordination, negotiation, and—when necessary—litigation. We fight to maximize your net recovery, not just the top-line settlement.

*📞 Call:* 480-464-1111
*🌐 Website:* https://www.jacksonwhitelaw.com/resou...
*📍 Serving:* Phoenix, Mesa, Scottsdale, Chandler, Tempe, Gilbert, Glendale, and throughout Arizona.

Free case evaluation: If you have ER bills, mounting statements, or questions about liens and insurance, reach out. We’ll review your coverage, identify all responsible payers, and build a strategy to protect your health and your claim.

*Disclaimer:* This video is for general information only and is not legal advice. Every case is different. For advice about your situation, contact an Arizona attorney.


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