How Can I Pay My Medical Bills If My Personal Injury Claim Is Open?


You can recover compensation if you are injured in an accident due to someone else’s negligence. However, recovering compensation in such cases for medical bills and other damages may take time. 

The question is, how can you recover compensation for the medical treatment while your lawyer is working for a settlement? There are various options to recover your medical bills while the injury claim is being processed, but you should consult with a Philadelphia car accident attorney.

How can I pay my medical bills if my personal injury claim is open?

Unlike other no-fault states, Philadelphia offers its drivers Personal Injury Protection (PIP). The PIP pays for the policyholder’s medical treatment.  

If you are not insured by medical health insurance or are concerned that it will not cover the entire cost, you can consider buying MedPay. Car crash injuries are expensive to treat, and most of us do not have the financial means to pay for them. Missed payments will hurt your credit score, and you may receive calls from debt collectors, which may add more stress to your current situation. 

  • Use your health insurance policy.

If you have health insurance, it might be the best option to wait for a potential claim settlement. This happens most when drivers do not have MedPay coverage in their insurance policies. 

But, the health insurance company will most likely pursue repayment from the liable insurance company for the costs they pay. This is called subrogation, which means it will reduce the compensation award by the amount of health insurance paid out. 

With the help of an attorney, you can negotiate a lower payback amount so that you can keep more of the compensation your lawyer recovers. 

  • Negotiate an agreement with the medical provider

In case you do not have MedPay or health insurance, your attorney will work with you to find medical providers who will provide you treatment on a contingency basis. It means your attorney will negotiate with the doctor or medical center to offer you their services paid for after the claim is settled or a verdict is reached in your favor.

  • Other options

Every victim’s life as unique as their injury claim, which means that some have options to help pay for their medical bills:

  • Medicare
  • Medicaid
  • Veterans Affairs Benefits

Family members may also be willing to help you. You can pay them back after you receive the settlement.