Will the insurance company responsible for covering the party that caused my injury pay my medical bills as they are incurred?
The vast majority of insurance companies will not automatically pay for medical expenses as they are incurred. This is probably the case for the company in charge of coverage for the tortfeasor (who is the individual, individuals, or company culpable for your injuries). Insurance companies do not do so for a variety of reasons. One of these is that they do not want to spend a great deal of money on medical bills, only to be faced with a demand at the time of final settlement from that they find to be excessive or unreasonable. Essentially, they do not want to pay for your medical costs and also have to cover the costs of defending a lawsuit. Another reason is that many insurance companies want to end or settle a claim with a single amount of money. This is why most liability insurance companies wait for a letter of demand from your New York car crash lawyer before attempting to pay you anything.
If I cannot pay my medical bills as they are incurred, will the medical professionals and facilities be willing to wait for payment?
If you have no immediate way of paying your medical bills, like medical insurance coverage or financial resources, then most doctors and hospitals will wait to be paid for their services until after the case is resolved via either settlement or court verdict. Make sure that you let them know as soon as possible that they will have to wait for payment.
How will the doctors and medical facilities end up getting paid?
Your New York car accident attorney will make sure that all of your bills will get paid. Most New York car accident lawyers have a policy of withholding money from your settlement or verdict to pay your medical bills. In addition, if you notify doctors or facilities that are treating you that you cannot pay right away, they will often require you to sign a subrogation or lien form. This form grants your New York car crash attorney the ability to hold back enough money to pay your medical bills directly from the settlement or verdict money.