One of the most common questions that I get from clients is “How do I get my medical bills paid after an accident?” After an Arkansas car accident, there are several ways to make sure medical bills are paid. First, health insurance should pay the medical bills while the claim of the accident victim is ongoing. However, if the car accident victim does not have health insurance a claim can be filed on their automobile insurance company for medical benefits coverage. Arkansas law mandates that:
Every automobile liability insurance policy covering any private passenger motor vehicle issued or delivered in this state shall provide minimum medical and hospital benefits, income disability, and accidental death benefits, under policy provisions and on forms approved by the Insurance Commissioner, to the named insured and members of his or her family residing in the same household injured in a motor vehicle accident, to passengers injured while occupying the insured motor vehicle, and to persons other than those occupying another vehicle struck by the insured motor vehicle, without regard to fault, as follows:
(1) Medical and Hospital Benefits. All reasonable and necessary expenses for medical, hospital, nursing, dental, surgical, ambulance, funeral expenses, and prosthetic services incurred within twenty-four (24) months after the automobile accident, up to an aggregate of five thousand dollars ($5,000) per person and may include any nonmedical remedial care and treatment rendered in accordance with a recognized religious method of healing. Expenses for hospital room charges may be limited to semiprivate accommodations
This insurance can also be used to reimburse a car accident victim for any out of pocket bills that they incurred. Most people involved in Arkansas car accidents do not understand how this insurance coverage works and they are never provided an explanation from an insurance company. If you or a family member has suffered a car accident, please contact a Little Rock Arkansas car accident attorney to discuss how your bills can be paid and how your rights can be protected.