Paying medical bills after a crash

Several coverages can pay medical bills after a crash, and the order depends on your state and your policies.

Possible sources

• Personal injury protection (PIP): required in no-fault states, pays regardless of fault
• Medical payments (MedPay): optional in many states, pays regardless of fault up to a limit
• Your health insurance
• The at-fault driver's bodily injury liability coverage
• Uninsured or underinsured motorist coverage

Keep track

• Save every bill, receipt and explanation of benefits
• Record missed work days
• Tell each provider which insurance to bill

For serious injuries, consider talking with a qualified attorney about your rights. Road Protect is not an insurer, adjuster or law firm and takes no referral fees.