Does Insurance Pay Before the Doctor Visit?

The short answer is no—but that’s not a bad thing.

If you’re injured because of someone else’s careless or reckless behavior, that person’s liability insurance will cover your medical expenses. However, the claims process does take time, and it’s very unlikely that you’ll see a settlement before you seek medical treatment for your injuries.That said,you should never delay treatment while you wait for insurance to pay.

Liability policies don’t pay bills as they come in, but a lump sum for all your covered losses. It takes time to determine how much your injuries will cost you, and you don’t want to settle for less than the maximum amount to which you’re entitled.

You can use your own health insurance for all your medical needs; your insurance company will be reimbursed by the liability insurance when your case is settled. If you lack insurance or have a high deductible you are unable to pay, your personal injury lawyer can issue a letter of protection to a medical facility to treat you. This is a document guaranteeing the medical facility that they will be paid out of the settlement proceeds once your case is settled.

Please—never delay treatment after an injury. It can cost you your health, and in some instances, it can hurt your case. Contact a personal injury lawyer for guidance. We can help.