Submit Medical Bills: Auto Insurance In Pennsylvania

If you've been injured in a car accident in Pennsylvania, you might be wondering how you will pay your medical bills. Even if you have medical insurance, copayments and deductibles can quickly add up, especially if you need ongoing treatment for serious injuries. In Pennsylvania, there is a “No Fault” law for medical claims, so your own car insurance company is typically the party initially responsible for your medical bills. You can submit a claim to your medical benefits coverage for your injuries from a car accident without having to pay a deductible. Once your coverage limit is reached, the responsibility for paying your medical bills will shift to you or your health insurance.

Understanding the priority of who pays

Pennsylvania is a "no-fault" state, which means that if you are injured in a car accident, you can access Personal Injury Protection (PIP) benefits, regardless of who caused the accident. This is also known as "first-party benefits" (FPB) in Pennsylvania.

The priority of who pays in the event of a car accident in Pennsylvania is as follows:

• Your own auto insurance policy: If you have PIP/FPB, your own auto insurance company will pay your medical bills up to the coverage limits you selected when you purchased the policy. You will need to pay some costs through deductibles and copayments.
• A relative's policy: If you don't have your own car insurance policy, you may be covered by a relative's policy if you are a member of their household.
• The policy covering the car you were in: If you are not a named insured or co-insured on a relative's policy, the insurance policy of the car you were in may cover your medical bills.
• If you were a pedestrian or bike rider, the policy on any car involved in the accident: If you were not in a car at the time of the accident, the insurance policy of any car involved in the accident may be responsible for your medical bills.

If you are not covered by any auto insurance policy, your private health insurance, Medicaid, or Medicare policy should cover your medical costs. You can submit your medical bills directly to your health insurance provider, and they will pay the bills.

It is important to note that you may need to submit all your medical bills, including a detailed list of treatments received, directly to your insurance company. For lost earnings, you may need to submit a year's worth of pay stubs. Your insurance company may also request an evaluation by an independent doctor to verify your injuries and treatment.

No-fault law for medical

Pennsylvania is a no-fault state, which means that your own auto insurance company is typically responsible for your medical bills after a car accident. This is done through the personal injury protection (PIP) portion of your insurance policy. This is also known as "first-party benefits" (FPB) in Pennsylvania.

Drivers in Pennsylvania can choose whether to have FPB/PIP on their policy. The main benefit of no-fault insurance is that it allows drivers to receive compensation swiftly and without arbitration, which is costly and time-consuming. However, by choosing no-fault insurance, you are giving up your right to sue another driver for injuries and emotional pain and suffering. The only exception is if your injuries are severe, such as disfigurement or a permanent disability.

When you make a claim, you will have to submit all of your medical bills, including a detailed list of the treatments you have received, directly to your insurance company. If you are claiming lost earnings, you will need to submit a year's worth of your pay stubs to the insurance company. Your insurance company may also request that an independent doctor provide an evaluation to verify your injuries and treatment.

The minimum requirement for medical benefits coverage in Pennsylvania is $5,000 in no-fault coverage, which pays your medical bills after an accident, regardless of who was at fault. Drivers who opt for no-fault coverage are required to carry at least this amount for the medical payments portion of FPB. You can buy coverage up to $100,000 and then buy even more under "extraordinary medical benefits," up to $1,100,000.

Submit bills to your insurance company

If you've been in a car accident in Pennsylvania, your medical bills must first be submitted to your own car insurance company. This is because Pennsylvania is a "no-fault" state for medical claims, meaning your insurance company will pay for your medical bills up to your chosen limit, even if you are at fault for the accident. This is also known as personal injury protection (PIP) or first-party benefits (FPB).

If you have been injured in an accident, file a PIP claim with your insurance company as soon as possible. You will then need to submit all of your medical bills, including a detailed list of the treatments you have received, directly to your insurance company. For lost earnings, you will likely need to submit a year's worth of your pay stubs to the insurance company. Your company may also request that an independent doctor provide an evaluation to verify your injuries and treatment.

Once your PIP coverage limit has been reached, the responsibility for paying your medical bills will shift to you or your health insurance provider. If you don't have health insurance, you will have to pay your medical bills out of pocket as they accrue.

Submit bills to your health insurance

If you have been in a car accident in Pennsylvania, you may be wondering how to pay your medical bills. If another person was at fault, their insurance company should cover your medical expenses. However, they will first need to be convinced that they are responsible for the accident. In the meantime, if you have auto insurance, your own insurance company will be responsible for your medical bills. If you don't have auto insurance, your health insurance policy should cover your medical costs.

• Obtain itemized receipts and bills: Ask your doctor, clinic, or hospital for an itemized bill, which lists every service provided and the cost of each service.
• Get a claim form: You can obtain a health insurance claim form from your insurance company's website or by contacting them directly. The form will ask for information such as your insurance details, who should be paid, and the reason for your visit.
• Make copies: Once you have filled out the claim form and received your itemized bill, be sure to make copies of everything. This will help to avoid errors and will make it easier to re-file if needed.
• Review and send: Check that you have completed all the necessary fields on the claim form and attached the necessary receipts and bills. Claims can take around 30 business days to process. Send the completed form to your insurance company, either by mail or email.
• Follow up: After submitting your claim, contact your insurance company to confirm they have received all the necessary information.

It is important to note that the process may vary depending on your specific insurance provider and your location. Be sure to review your insurance policy or contact your insurance company directly for more detailed instructions on how to submit your medical bills.

Submit bills to the at-fault driver's insurance

If you've been injured in a car accident in Pennsylvania, you might be wondering how to get your medical bills paid. If the accident was caused by another driver, their insurance company should cover your medical expenses, but this is not always straightforward. The at-fault driver's insurance company won't pay your doctor directly or reimburse you without first agreeing to pay. They may try to take advantage of you by offering a low settlement while you are vulnerable and facing mounting medical costs.

In Pennsylvania, a no-fault state, your own auto insurance company is typically responsible for your medical bills. You receive benefits through the personal injury protection (PIP) or first-party benefits (FPB) portion of your insurance policy. This covers medical costs, lost wages, funeral costs, and accidental death up to the coverage limits you selected when purchasing the policy. You will need to pay deductibles and copayments, and you may need to submit a year's worth of pay stubs to your insurance company to claim lost earnings.

To file a claim with the at-fault driver's insurance company, you will need to submit all your medical bills, including a detailed list of the treatments you have received. It is important to note that the other driver's insurance company will only pay out if the injuries meet certain thresholds set by state law. In Pennsylvania, a "limited tort" coverage option limits your right to financial compensation for injuries and losses to cases of "serious" injury, usually meaning more than soft tissue injury. With the more expensive "full tort" coverage option, you have unlimited rights to financial compensation for injuries and losses caused by another driver.

Frequently asked questions