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Personal Injury Firm in Los Angeles

Ranked #1

Personal Injury Firm in Los Angeles

Who Pays Medical Bills After A Car Accident?

Sadly, car accidents happen on a daily basis and can completely change the life of anyone involved. In the state of California, car accident-related deaths occur more frequently than in any other state, with a reported 3,304 fatalities in 2017 alone. 

If you are lucky enough to survive, you may be wondering: Who pays for the medical bills after a car accident?  And what if extended care is required? Insurance companies and defendants may make an argument towards “comparative negligence” to lower your reward in a car accident settlement. 

It’s important to consult with an experienced personal injury attorney as soon as possible. Our experienced team of car accident attorneys will make sure that you receive the compensation you deserve in order to cover your medical bills. 

Car Insurance Laws In California 

Due to California’s large population of drivers, strict regulations are enforced. Like in most states, some type of car insurance is mandatory for every vehicle on the road. The costs of these insurance policies may vary depending on region or availability. However, there is a minimum amount of insurance that you must legally have. 

  • Bodily injury liability coverage. Insurance companies pay up to $15,000 for the death or injury of a single person and up to $30,000 for multiple victims.   
  • Property damage liability coverage: $5,000 minimum required and used to pay for any property your car has damaged.
  • Uninsured motorist bodily injury coverage: Most insurance companies offer this as an optional coverage at the same rate as bodily injury liability. 
  • Uninsured motorist property damage coverage: A $3,500 minimum to allow for no fault parties who have had their vehicles damaged by an uninsured driver. This coverage is only available if the uninsured driver is found. 

Fault Vs. No-Fault States

According to a recent study, the average driver files an insurance claim every 17.5 years. In California alone there are over 26 millions drivers so, naturally, the amount of auto insurance claims is high. 

In no-fault states, there is no burden to prove the liability of any party. Alternately, the insurance company will pay the victim rather than sue the other driver’s insurance company. Although, the law may cap how much you are entitled to or which injuries are covered. 

Fault states, including California, require the plaintiff to defend their stance while examining their level of responsibility. Insurance claims are disputed in court and the amount of the car accident settlement is usually measured based on the negligence of both parties

Waiting For A Settlement 

California law mandates that at-fault parties are responsible for any bodily injury or property damage they cause. A victim’s medical bills may be paid by an individual, the company at fault, or the guilty party’s insurance company. 

Unfortunately, there are cases where the responsible party will attempt to negotiate the car accident settlement for a lower amount. Going to trial can be a long and exhausting process, but most people need their bills immediately to ensure a healthy recovery and optimum quality of life. If the insurance company is playing hardball, there are still a few options that are available to you:

    1. Your private health insurance. Insurance offered by a private company and usually paid for by the individual. These types of insurance plans can usually be found at Health Insurance Marketplaces and offer many flexible options.
  1. Med Pay Auto Insurance. Medical Payments Insurance awards the victim whether they are at fault or not 
  2. California worker’s compensation insurance through your employer.  

West Coast Trial Lawyers Is Here to Help

Our personal injury attorneys will not charge you for a consultation. Our clients are represented on a contingency fee basis. If we do not win, you owe us nothing. There is no financial risk to prevent you from reaching out. Our qualified personal injury lawyers are highly-trained and have extensive experience with cases that are similar to yours. We are committed to helping you resolve your legal issues as quickly as possible while receiving the best results.

If you or someone you know has been injured, reach out to our legal team 24 hours a day by calling us at (213) 927-3700 or emailing

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