You’re driving to work when someone runs a red light and T-bones your car. It’s very obvious that the crash was their fault. You had the right of way with the green light, and they did not. Plus, the whole thing is on video, so you know that they are liable for your injuries.
But then you end up in the hospital, where the medical professionals ask you for your insurance information. But why do you have to provide your health insurance if the other person should have to cover these costs? Why are you paying for your injuries if they caused them?
You still have to provide your insurance information
The reality is that this is just a long process and it starts by giving your car insurance information and your health insurance to the hospital. This way, they can treat you and move forward with medical care, regardless of who was at fault. The hospital is not in charge of determining that and they just want to make sure that they can render the services that you need to deal with your injuries.
After the fact, you will then file an insurance claim, and/or you may need to start a lawsuit to seek compensation from the other party. There are many steps in this process, including filing the claim, gathering evidence, talking to adjusters and the like. Eventually, though, if your claim is approved or if you win the lawsuit, then your insurance company will be reimbursed or the money that you owe will be paid by the other party. It’s just not going to happen on the same day that you were involved in the car accident.
This can be a complicated situation, and you certainly don’t want to get stuck with bills that you don’t deserve. Be sure you know what legal steps you can take.