• Stephen Longo

Who Pays My Medical Bills After a Car Accident?

Any personal injury car accident can cause financial strain. Between the hospital bill, missed time from work, and other expenses, it can get difficult. The last thing you want is to be stuck paying for those medical bills, especially when the car accident wasn’t your fault.


So who is responsible for paying your medical bills?

In short, if the car accident was not your fault, the at-fault person’s insurance is responsible for paying for those medical bills, BUT there is a catch:

  1. The insurance company WILL NOT pay for those bills upfront in Colorado.

  2. The insurance company will offer a one-time settlement which should include all of your medical bills.

What happens if you’re still recovering from your injuries when the hospital bill comes in? The insurance company won’t pay it and you don’t want to be stuck with it.


In my previous post, I discussed MedPay coverage in Colorado – it is a must-have. This coverage can be used to help pay those bills so you’re not stuck with it when the insurance company refuses to pay.


Second, you can always have the bill go through your health insurance. Even in a car accident, the hospital and other providers should accept your health insurance. While you may still have a deductible or co-pay, the majority of the bill should be taken care of before you fully recover from your injuries and settlement your case.


Lastly, if you don’t have health insurance or are seeing a provider that may not accept your health insurance, you can see if that provider will treat you on a “lien.”

A “lien” is an agreement where the medical provider will agree to be paid out of your settlement instead of being paid upfront.

A valid lien is binding, meaning that your attorney will be obligated to pay the provider out of your settlement – so make sure it is the right thing for your situation.

Having an attorney who is experienced with personal injury and car accident cases is an important factor in getting your medical bills paid. Be sure to call The Longo Firm with any medical bill or car accident-related questions. We are committed to our clients and their cases. Clients are never just another client to us. They are never assigned a case number. Clients First - Always.



The Long Firm is ready to help you.

Call (719) 249-1688

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