How Medical Expenses Can Rack Up After a Serious Injury

 If you suffer serious injuries in some type of accident, you will be focused on recovering as soon as possible. But serious injuries are expensive, and sometimes recovery can take weeks, months or even longer. During that time, medical bills pile up and may run into the hundreds of thousands of dollars.

No matter what type of accident you were in, it is natural to wonder who will pay for your medical expenses.  Hopefully, this article will help to shed some light on this complex subject.

Car Accident

If you were seriously hurt in a car accident, who was at fault and the state it was in will largely determine who is liable for paying your medical expenses. If you were in a car accident that was another person’s fault, you could be eligible for lost wages and medical benefits, depending upon your own auto insurance coverage.

Your auto insurance coverage is usually the first line of payment in car accidents, whether you were the victim or were at fault. Your insurance should cover you whether you were in your car or in another car or were a pedestrian.

However, your medical bills are often not paid by the auto insurance company until the claim is settled. Before that, your own medical insurance policy may need to cover your expenses.

Many car accident cases are very complex and involve a lot of wrangling between insurance companies. It usually is important to have a car accident attorney represent you in any car accident case that involves serious injuries.

On-the-Job Injuries

If you are hurt at work, who is liable for your medical expenses and paying your lost wages depends upon the details of the case. Usually, you will be eligible in most states for workers’ compensation benefits. In others, you could be entitled to compensation from a personal injury lawsuit. But it is important to note that you may not file a personal injury lawsuit against your employer except in very limited circumstances.

If a company besides your employer caused your serious injury at work, you may be able to file a third-party lawsuit. For example, if there was a defective machine at your place of employment that injured you, it is possible for a personal injury lawsuit to be filed through your attorney against the manufacturer of the defective equipment.

It never is a good idea to handle a third-party lawsuit yourself when serious personal injuries are involved.

Slip and Fall Accidents

A slip-and-fall mishap can result in serious injuries, time off work and weeks or months of rehabilitation. If the accident happened on the premises of another person or company, it is possible that the insurance policy of the owner could be required to pay for your medical expenses. This is another situation where a personal injury attorney should review your case immediately. In the meantime, your own medical insurance will probably need to be used to cover your expenses. If a settlement is made later with the insurance company, your medical insurance provider will be reimbursed.


Being seriously injured in an accident and stuck with piles of medical bills is a very stressful experience. Fortunately, there are multiple legal avenues available to you if you were hurt due to the negligence of another person or company. Generally, immediately after the accident, your personal medical insurance will be tapped to cover your expenses; eventually, however, various liability policies will come into play to handle the long-term expenses of your recovery.

Consulting with a personal injury attorney about your case is nearly always at no charge for the first visit and can help to relieve you of much stress and anxiety as you learn how to move forward.