If you're hurt in an accident that is someone else's fault, you may wonder how you will pay your medical bills. Medical bills can pile up quickly, and how and when your medical bills are paid after an accident depends on the insurance laws in your state and who is at fault for the accident.
New Hampshire is one of only two states in the country that does not require any statutory minimums for car insurance coverage. Most drivers in the state can legally operate their vehicles without insurance.
Health Insurance:
Health insurance will likely cover your medical treatment like any other illness or injury, and you will still be responsible for deductibles, copays, and out-of-network providers. If you do not have health insurance, you can be stuck with the medical bills if you cannot recover the costs from the person responsible.
Auto Insurance:
In New Hampshire, basic auto insurance policies must include liability insurance, MedPay, and uninsured motorist coverage.
Minimum Liability:
You must get the minimum limits of liability which are:
·$25,000 in bodily injury coverage per person
$50,000 in bodily injury coverage for more than two per accident·
$25,000 in property damage coverage per accident
$1,000 in medical payments per accident
MedPay:
New Hampshire also requires medical payment coverage or MedPay to be included in your policy. MedPay is a type of car insurance drivers, or their passengers can use to cover their medical expenses after an accident. MedPay differs from health insurance because it does not require copays or deductibles for covered healthcare services. The state minimum coverage is $1,000, but higher amounts are possible and advisable because medical bills after a car accident often exceed this.
Uninsured Motorist Coverage:
Uninsured motorist coverage is insurance that can protect you in the event of an accident with a driver who does not have car insurance. It provides financial protection for medical costs and property damage if you are hit by a driver who does not have enough liability coverage to cover the costs of your injuries. This coverage is essential for all drivers, as it can help ensure you are not left paying out-of-pocket for damages caused by another driver's negligence.
Negotiate Medical Bills:
Yes, you can negotiate to lower your medical bills. Billing and financial departments of hospitals and healthcare facilities are used to negotiating when paying medical bills. This is especially true in the case of car accidents, where there may be some degree of liability involved.
Legal Representation:
Navigating a personal injury claim is overwhelming when suffering physical and financial challenges. Victims of these accidents often face medical bills, lost wages, and other associated costs. Liability is also an issue that needs to be addressed to receive the compensation you deserve.
Getting the right lawyer to help you navigate the process is essential when faced with complicated legal issues. A lawyer with experience in personal injury cases can provide invaluable advice and assistance in negotiating the best outcome for you.
Patch & FitzGerald has successfully represented clients and won complex cases in New Hampshire for over 35 years. Call us today at 603-647-2600 for a free consultation. We only get paid when you do!
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