You've been in a car accident that wasn't your fault — and now you're getting hit with medical bills. It doesn't seem fair. Why should you be responsible for costs caused by someone else's mistake?

This is a common situation, and it can be confusing. Here's what's really happening — and what you can do about it.

Why You're Getting Medical Bills After a Crash 

Even when another driver is clearly at fault, it's common to receive bills from:

• Ambulance companies

• Emergency room physicians

• Hospitals

• Radiology or lab services

That's because these providers want to get paid quickly — and they'll usually bill the patient first, even if they know someone else caused the accident.

Emergency physicians are often contractors who bill separately from the hospital. So even if your hospital stay is covered, you might still get a separate bill for the ER doctor.

Who Should Pay Your Bills? 

Although you're being billed now, that doesn't mean you're ultimately responsible. Here's where compensation may come from:

1. The at-fault driver's insurance

The driver who caused the crash is legally responsible for your medical expenses. But their insurance company:

• Won't pay right away

• May dispute fault

• Might offer a low settlement

That's why these claims often take weeks or months to resolve — and why bills might appear.

2. Your auto insurance – MedPay or PIP

If you have Medical Payments (MedPay) or Personal Injury Protection (PIP) on your auto policy, these can help pay your bills regardless of fault. This can be a huge help while waiting for a liability settlement.

3. Your health insurance

Your health insurance may cover some medical treatment upfront. However, they may later assert a subrogation claim — asking to be reimbursed from your settlement with the at-fault driver's insurance.

What Happens if You Ignore The Bills? 

Letting those bills pile up can lead to:

• Debt collection

• Damaged credit

• Stress during your recovery

Instead:

• Contact the provider and explain that you're pursuing a liability claim.

• Ask them to delay collection or place your account on “hold.”

• Don't pay bills you may not owe — get legal advice first.

How Hobbs Law, LLC Can Help 

Attorney Dillon Hobbs helps injured individuals navigate medical bills and insurance disputes daily. Hobbs Law can:

• Review your situation and explain your legal options.

• Pursue compensation from the at-fault party — if your case qualifies.

Every situation is different. If I can't help directly, I'll do my best to point you in the right direction.

Request a Free Case Review

If you've received medical bills after a crash that wasn't your fault, don't assume you're stuck with them. Reach out to Hobbs Law, LLC to schedule a free case review. I'll take a look at what's going on and let you know whether I may be able to help. Call 205-683-2892 today.