Personal Injury Medical Bills After A Car Crash

When you’re injured due to someone else’s fault and face mounting medical bills, it can feel overwhelming to know how to handle those expenses. Understanding how to manage your medical bills during a personal injury claim can make a big difference in your financial recovery. Here’s a clear guide to help you navigate this process.

Who Should Pay My Personal Injury Medical Bills after a Car Crash?

Ideally, your medical bills should be covered by the settlement you receive from your personal injury claim. In most cases, you should avoid having your health insurance pay these bills upfront. Also, don’t send your medical bills directly to the at-fault party’s insurance company for payment.

What to Do if Your Medical Provider Threatens Collections

If your medical provider is threatening to send your bill to collections, you can send them a Letter of Protection. This letter informs the provider that they will be paid from any settlement you receive and legally commits you to pay the bill from that settlement. This protects both you and the provider during the claim process.

Should You Use Your Health Insurance to Pay Medical Bills?

This depends on your situation. Not using your health insurance to pay bills can sometimes increase your settlement amount. For example, in Missouri, juries only see the amount owed, not the amount originally billed. If your health insurance pays part of the bill, the amount owed might be very low or zero, which could reduce your settlement. But if you don’t use your health insurance, the full billed amount is considered owed, potentially increasing your settlement.

However, if your case is uncertain or weak, it might be safer to have your health insurance pay the bills. This way, medical providers are less likely to pursue you personally if your claim doesn’t result in a settlement.

Why You Shouldn’t Send Bills to the At-Fault Party’s Insurance Company

Never send your medical bills directly to the at-fault party’s insurance company. Doing so can limit your ability to negotiate the bills later, which could reduce the money you receive. Also, since juries only see the amount owed, having the insurance company pay bills early can hurt your case.

How Mutrux Firm Injury Lawyers Can Help

Navigating medical bills and personal injury claims can be confusing and stressful. The team at Mutrux Firm Injury Lawyers is ready to stand by your side, helping you understand your options and guiding you through the process. They can assist in communicating with medical providers, negotiating bills, and ensuring your settlement covers your expenses so you can focus on healing.

Trusted Leadership in Missouri Injury Law: Meet Attorney Tyson Mutrux

Attorney Tyson Mutrux brings a wealth of experience and recognition to every case he handles. Licensed to practice in Missouri, Illinois, and U.S. Federal Courts, Tyson is known for his unwavering commitment to helping those seriously injured due to negligence. Over the years, he has earned numerous accolades, including being named to The National Trial Lawyers’ Top 100 Trial Lawyers and Top 40 Under 40. He was also recognized among The Nation’s Top One Percent of Attorneys by the National Association of Distinguished Counsel.

Tyson has achieved a “Superb” rating (10/10) on Avvo and was recently ranked among the Top 10 Car Accident Lawyers in Columbia by Trust Analytica in 2024. His extensive background in personal injury law, particularly across Central and Eastern Missouri, gives his clients a powerful edge when it comes to recovering compensation for medical bills and other damages. Beyond his practice, Tyson is also dedicated to giving back, providing pro bono legal support for military veterans and actively participating in initiatives through The Missouri Bar.

If you’re facing mounting medical bills after an injury caused by someone else’s negligence, don’t go through it alone. At Mutrux Firm Injury Lawyers, we’re here to fight for the compensation you deserve—whether it’s hospital expenses, rehabilitation costs, or ongoing care. Our legal team proudly serves clients not just in St. Louis and Columbia, but throughout Missouri’s municipality cities including Chesterfield, Florissant, Jefferson City, O’Fallon, Lee’s Summit, Blue Springs, and more. Wherever you are in Missouri, we’re ready to stand by your side and help you move forward with confidence.