Automobile Accidents

Insurance and Auto Accidents in Missouri

There are a number of different types of insurance that may provide help to you if you are in a car accident.

Your own insurance policy may provide limited help for paying medical bills for you or anyone in your car, regardless of who was at fault in causing the accident. Also, even if the owner of the car did not have medical payments insurance, you may have medical payments insurance on your car that will help you with your medical bills, even if you were not in your car at the time you were injured. Your health and accident insurance through your work may pay your medical bills.

Under some circumstances, you may have an obligation to repay the insurance company if you are paid by the negligent third party. If you were injured by another driver who was careless, the insurance company of the careless driver has an obligation to pay for your medical bills.

If the negligent driver who injured you did not have insurance or did not have enough insurance, your own insurance company may be responsible for paying your medical bills under your uninsured motorist coverage or underinsured motorist coverage.

If you are eligible for Medicare benefits, Medicare is responsible for paying your medical bills. If Medicare believes that another party is at fault, Medicare may delay paying your medical bills to see whether the insurance company of the careless driver will pay your bills. If Medicare does pay your bills, Medicare may require you to sign an agreement that you will reimburse Medicare if you are paid anything by the negligent driver. If you are eligible for Medicaid benefits, Medicaid should pay your medical bills. However, as with Medicare, Medicaid may delay paying your bills to see whether the insurance company of the careless driver will pay your bills, or they may pay your bills but require you to sign an agreement that you will reimburse Medicaid if you recover from the negligent driver.