FAQs for Car Accident Victims: Whose Insurance Company do I Deal With For My Medical Expenses?

Whose insurance company do I deal with for my medical expenses?

Being in a car accident can be scary, but dealing with insurance can be downright frustrating. Getting your car fixed is usually pretty simple, but knowing how to get reimbursed for your medical expenses can become a nightmare. To which company does the bill go, yours or the other driver? A personal injury lawyer in Nova Scotia can guide you through this often-complex process.

The Insurance Company to Deal With Depends on the Circumstances

If you are one of the hundreds of Nova Scotians who are injured in a car accident each year, determining who must pay your medical expenses depends on the nature of the accident. If you were driving your own car and were struck by another vehicle, you would file with your own insurance company, but if you were a passenger in someone else’s car, their insurance company would be responsible for your bills. If you were not in a car when you were struck — i.e. a pedestrian or cyclist — you will send your bills to the insurance company of the driver who hit you.

Things become tricky when there is no insurance. If another driver was at fault and they do not have insurance, you can still make a claim on your own policy. But if you do not have insurance and neither does the other driver, you can still make a claim to Facility Association. As these forms can be tricky, having an experienced personal injury lawyer by your side can be a great asset.

Filing a Claim

When you are in an accident and the other person is at fault, it is important to file a claim as soon as possible. Follow these steps:

  • Call the police. Get officers on the scene, and gather as much information as you can from the other driver and any witnesses.
  • Seek medical attention. Even if you don’t feel injured, it is important to get examined by a medical professional, on-scene if possible. Not doing so could damage your claim down the road.
  • Call your insurance company. Give them a full report of what happened, including all of the other driver’s details.
  • Listen to their instructions. Often, insurance companies will have certain requirements for getting reimbursed for medical bills. This is especially true if you have to file with the other driver’s insurance; your own agent will explain how to handle this.
  • Call the other company. If you are not insured, call the other driver’s insurance to get medical bill reimbursement.

Personal Injury Lawyers in Nova Scotia

If you have been in a car accident and are unsure how to deal with the insurance companies, contact McKiggan Hebert Lawyers today. Before you sign any forms or paperwork, have our experienced legal team make sure it is in your best interest.

We help more than just car accident victims. If you have been the victim of medical malpractice, sexual abuse or any other kind of personal injury, we can help. Call us today at 888-510-3577 or toll-free in Atlantic Canada at (888) 510-3577.

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