Assuming you have automobile insurance, all medical treatment relating to injuries sustained in a  motor vehicle accident will initially be paid by your automobile insurance carrier.  In Pennsylvania, all auto insurance policies are required to contain a minimum of $5,000 in first-party medical benefits, also known as personal injury protection (PIP) benefits.  While some people opt to pay an increased premium for additional PIP benefits, the vast majority of policies carry the minimum of $5,000.  PIP benefits provide coverage for medical treatment directly relating to injuries sustained in a motor vehicle accident regardless of which driver was responsible for causing the accident.  
 
When obtaining medical treatment following a car accident, it is vital to inform your treating physician that you were injured in a car accident and to provide them with your auto insurance information.  This will allow the doctor to bill your auto insurance carrier directly.  
 
It is also important to make yourself aware of the amount of PIP coverage available to you.  Once you exhaust your available PIP coverage, your medical bills must be paid by some other source.  If you have health insurance, this will likely be your best option.  However, if you do not have health insurance, you will likely be forced to pay bills out of your own pocket.  Do not assume that your doctor will make you aware of the fact that you have exhausted your PIP coverage.  In 
some cases, doctors will allow you to accrue outstanding medical bills and attempt to recover them from the proceeds of your lawsuit.  In order to avoid this, it is important to ask your treating  physician regarding the status of your PIP benefits.
 
If you have been injured in a car accident and you have a question regarding PIP benefits or the payment of medical bills, call the experienced attorneys at Stark & Stark for assistance.

Ian Abovitz is a member of Stark & Stark’s Yardley, PA office, specializing in Accident & Personal Injury Law. For more information, please contact Mr. Abovitz.