Medical bills after a personal injury caused by someone else’s negligence can be as frightening as they can be high. Many people worry about how to pay for medical expenses for care that becomes necessary after a car accident, a fall on a slippery floor, or another unplanned circumstance. In this post, we hope to give a brief but helpful explanation of how doctor and hospital bills get paid when another person or company causes harm.
Medical Bills in Collision Injury Cases
Personal Injury Protection (“PIP”) coverage is generally available to pay medical costs and lost wages up to $15,000.00. PIP covers medical treatment received in the first year after an Oregon car crash regardless of which driver is at fault. Oregon law says that if you are hurt in an injury “arising out of the use, maintenance, or occupancy of a motor vehicle,” then your own insurance pays for your medical treatment under the minimum PIP that must be included in your policy by law. If you paid a higher premium for coverage above $15,000, your limit will of course be higher than the legal minimum.
Along with paying medical bills for treatment after the crash, PIP will also pay lost wages up to a maximum of $1,250.00 per month. You must have missed at least 14 consecutive days of work due to your injury.
After the $15,000 in PIP is used or the full year has passed since the crash, your own medical insurance should begin to pay for related medical bills. If you recover money in a personal injury settlement or trial, some will likely go to reimburse the money paid by PIP and health insurance.
Medical Bills in Slip, Fall, and Trip Injury Cases
Homeowner’s insurance may be available to pay medical costs after a dangerous stairway, slippery floor, or broken sidewalk hurts someone. Most homeowners and some renters have both liability insurance coverage and medical payment coverage (“Med Pay”). Med Pay covers some of the injured person’s medical bills whether or not the homeowner was negligent. It is usually limited to about $5,000 or $10,000. If medical expenses after a fall injury are greater, then liability of the homeowner’s part must be proven before they can be recovered under any liability insurance coverage.
Medical Bills in Product Liability Injury Cases
As with fall injury cases, doctor and hospital bills in injury cases involving defective and dangerous products will not be paid unless liability is likely to be proven. Unfortunately, medical expenses in this type of case can be crippling. Insurance companies may request immediate payment of medical bills regardless of the fact that the product, not the injured person, was at fault.
Without Med Pay- or PIP-type coverage, the injured person may struggle under financial obligations that cannot possibly be carried. Under Oregon law, someone who suffers personal injury or property damage as a result of a product sold or leased in an unreasonably dangerous condition may recover damages for these bills.
Portland Injury Accident Attorneys
If you have been injured or have other questions about paying medical bills after an injury, contact an Oregon injury lawyer immediately. Call us toll-free at (800) 714-3204 for a free attorney consultation.