The Centers for Disease Control and Prevention reports the total cost of car crash related deaths in Washington D.C. at $34 million over the course of one year. Medical bills are an astronomical expense for victims not only when a car accident causes fatal injuries, but also when victims survive a crash and require costly treatment to recover from injuries. One of the most common types of crashes in which victims get hurt is rear-end collisions. These accidents cause a wide variety of injuries from traumatic brain injury to whiplash which can necessitate ongoing medical expenditures.
Many victims of collisions are concerned about how to get medical bills paid after a crash. Fortunately, in Washington D.C., most drivers are insured to cover collision losses. DC drivers are required to buy bodily injury liability coverage, personal injury protection, and uninsured motorist coverage. This means motorists should have their medical bills covered by insurers regardless of who was at fault for causing a collision. The only question is which insurer should pay and how can victims make sure the insurance company is offering the full amount of compensation they need to cover their costs.
Tips for Getting Medical Bills Paid After a Rear-End Crash in Washington
For the driver in the lead car, medical bills for serious injuries should usually be paid by the insurer of the driver of the rear car. This is because there is a presumption the driver in the rear caused the accident since that driver had a responsibility to leave a safe distance between the two vehicles. If the driver in the rear had no liability coverage, despite the legal requirement to have such a policy, the front driver's uninsured motorist coverage should pay the bills.
The rear driver, on the other hand, is likely at fault for causing the accident. His own medical bills should be paid for by his personal injury protection (PIP) coverage, while his liability insurance policy should pay for the serious injuries he caused other victims to experience.
Unfortunately, when dealing with any insurance companies, victims of collisions can expect to face trouble getting the full amount of coverage they need for their bills and other losses. The American Institute for Justice published a comprehensive report about how major insurers, including some of the largest insurers in the United States, use aggressive tactics to try to get victims of car accidents to settle insurance claims for less money than the victims deserve to receive.
Victims need to be aware of the dishonest tactics used by insurers. It is important not to settle or agree to any insurance claims until you are sure about the extent of your injuries and until you have spoken to a lawyer who can help you evaluate how much you should receive to pay for your medical costs and other losses.