Q: Who pays for medical bills following an accident with a semi?
Because Maryland has a fault system in place for car accident claims, the party who caused the trucking accident will be responsible for all the damages. For example, if the truck driver caused the crash, the insurance company for the truck driver or trucking company would be responsible to pay your medical bills.
While this may sound great, it is important to note that medical bills aren’t typically paid by the other side until an injury claim is settled. Generally, you wouldn’t want to submit an injury claim until you know the extent of your injuries and have recovered or reached a point of maximum medical improvement from your injuries. This way you will know how much your medical bills have totaled in order to collect the correct compensation. However, getting to this point can take many months or even years due to the seriousness of your injuries.
In this case, you should submit your medical bills to your own insurance carrier under your Personal Injury Protection (PIP) coverage; however, there are limits on PIP coverage. If your medical bills add up to more than your policy limit, you may have to submit the remaining medical bills to your health insurance carrier. While these avenues can help you get your medical bills paid initially, you will still want to pursue a claim against the insurance company for the truck driver to collect all the damages you deserve.
If you are successful in making a financial recovery from the other driver, you will have to repay your health insurance company for a portion of the bills they paid but you won’t have to repay your insurance company for bills covered under your PIP coverage. To learn more about your rights and how to pursue a claim to get the most compensation, request a free copy of our report, 10 Tips to Get the Maximum Compensation After a Maryland Auto Accident.