If you’ve been hurt in a car accident in Las Vegas, one of the first and most pressing questions you’re likely asking is: Who will pay for my medical bills? Emergency room visits, surgeries, follow-up care, and physical therapy can cost thousands, often before you’ve even had a chance to process the accident.
At Oronoz & Ericsson, we help injured victims in Las Vegas understand their rights, navigate Nevada’s complex insurance system, and pursue full compensation for their medical expenses.
Below, we break down who’s responsible for paying your medical bills after a crash and what steps to take immediately to protect your health and claim.
Who Pays Your Medical Bills After a Crash in Nevada?
Nevada is an at-fault insurance state. That means the driver who caused the accident and their insurance company are responsible for covering your damages, including medical expenses. But insurance claims take time to resolve, and your medical bills don’t wait. In the meantime, you may need to rely on:
- Your health insurance
- MedPay (Medical Payments Coverage), if you purchased it
- Out-of-pocket payments or payment plans with providers
- A letter of protection from your personal injury lawyer
At Oronoz & Ericsson, we work with medical providers and negotiate on your behalf to delay collection efforts while your claim is pending. We’re committed to making sure the at-fault party ultimately pays, not you.
What Is MedPay, and Should You Use It?
MedPay is optional coverage that many drivers in Nevada add to their auto insurance policy. It covers your medical expenses regardless of fault, up to the limits of your policy. Unlike health insurance, MedPay typically has:
- No deductibles
- No co-pays
- No required referrals
If you have MedPay, it can be an excellent first line of defense after a crash, especially if you’re uninsured or underinsured. However, it may not cover all your expenses. When you work with a Las Vegas car accident attorney, they can help review your policy and use MedPay strategically without giving up your rights to additional compensation.
Can Health Insurance Cover Your Bills After a Car Accident?
Yes, if you have private health insurance, Medicare, or Medicaid, these providers will usually cover your treatment after a crash. They may seek reimbursement (also called subrogation) from any future personal injury settlement you receive. That’s why it’s critical to:
- Keep detailed records of all medical visits and bills
- Work with an attorney who can negotiate liens and maximize your take-home recovery
A knowledgeable legal team will be experienced in handling subrogation claims and protecting your financial interests.
What If You Don’t Have Health Insurance?
If you’re uninsured, don’t panic. There are still options. Some healthcare providers in Las Vegas may agree to treat you on a lien basis, meaning they’ll defer payment until your case settles. Your lawyer can issue a letter of protection, which is a legal agreement promising that your bills will be paid from your future settlement or verdict.
At Oronoz & Ericsson, we have long-standing relationships with local medical providers who trust our firm’s ability to recover client compensation. This allows you to get the care you need now, not months from now.
What Happens If the At-Fault Driver is Uninsured?
If the other driver doesn’t have insurance, or doesn’t have enough to cover your bills, you may be able to turn to your own:
- Uninsured/Underinsured Motorist (UM/UIM) coverage
- Collision coverage for vehicle damage
- Personal injury lawsuit against the at-fault driver
These claims can be legally complex. But your attorney can help simplify it. They’ll investigate the crash, determine all potential sources of compensation, and build a strong case against the liable party.
How a Las Vegas Car Accident Lawyer Can Help
Navigating insurance claims and medical billing after a car crash can be overwhelming, especially when you’re injured. A skilled car accident lawyer does more than just file paperwork. At Oronoz & Ericsson, we help by:
- Investigating fault and liability
- Calculating the true value of your claim
- Negotiating with insurance companies and medical providers
- Pursuing maximum compensation for medical costs, lost wages, and pain and suffering
We are aggressive trial lawyers with a proven track record in Las Vegas personal injury cases. We don’t back down from insurance companies, and we fight to ensure you’re not left with the financial burden of someone else’s negligence.
Don’t Wait, Protect Your Health and Rights With O&E Today
After a car accident, your medical bills won’t wait. And neither should you. Contacting a Las Vegas car accident lawyer early can make the difference between getting the care you need and being stuck with bills you can’t afford.
At Oronoz & Ericsson, we offer free consultations and only get paid if we win your case. Let us help you hold the responsible party accountable and make sure you don’t end up footing the bill.
Schedule your free case review with O&E today. Call us at (702) 904-8703 or fill out our online form so you can take the next steps toward compensation and peace of mind.