How Are Medical Bills Paid After a St. Louis Car Wreck?

If you have been involved in a St. Louis car wreck and the medical bills are piling up, you may naturally be wondering how they are going to be paid.

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ellen P.
3 months ago
Chris Hoffman is an excellent attorney. He is the best above the rest. What makes him different? He communicates promptly - I don't have to leave message after message for him to reach out to me. When I telephone his office, if he doesn't answer the telephone, his assistant does. Chris Hoffman is very attentive and focused. He means business, and he hit the ground running on the cases. I'm so blessed to have him for my attorney.
Charles B.
1 year ago
Best lawyer for car accidents and injury claims. Love this lawyer!
Zach B.
1 year ago
Much better than Morgan & Morgan. It is not the firm. It is the lawyer.
Ashley S.
1 year ago
"Of all the lawyers I have met, this one is a true professional. This attorney goes against the biggest law firms and wins!"
Response from the owner:The compliment is much appreciated. Like every profession, it all starts with training our lawyers to be the best at every aspect of car accident cases. But the foundation of a great case is a great client. Thanks!
james W.
1 year ago
I'd say this lawyer is in the top three of the best you'll ever see. Add this attorney to the interview list if you ever get in an automobile accident. This Law Firm is on another level.
Response from the owner:Much appreciated. Techniques that an attorney or any professional uses are paramount for success. This is part of our lawyers training and preparation. It leads to success. Thank you!
Dean R.
1 year ago
People say this is the best car accident lawyer in St.Louis. Yep! Seeing this attorney in action is incredible.
Response from the owner:Great compliment. We work hard to be the best. Our lawyers also work very hard to help other lawyers in our profession. Not matter what, a cases is only as good as the client is. Thanks!
Domaneshia A S.
1 year ago
Hire them!!!
Response from the owner:Thanks! Referrals and recommendations from prior car accident clients is our #1 source of cases. People who grew to trust us send family and friends.
Benjamin K.
1 year ago
The Hoffman law firm is truly professional. After hiring them I was truly relieved and knew I was in good hands. Highly recommend!
Response from the owner:Being in good hands is important. Many lawyers take cases with little experience and little resources. Our firm specialized decades ago. We are focused exclusively on accident cases.
dylan F.
1 year ago
Definitely recommend Mr. Hoffmann if you get into a car accident, this lawyer is top shelf.
lori W.
1 year ago
They are the best law firm I have encountered in my lifetime. Great for any accident!
Rachel M.
1 year ago
Great experience with this law firm. Excellent help with the car accident process. Definitely use them again.
Kyle D.
2 years ago
The lawyers on tv just dont compare for auto accident injury cases. Mr.Hoffmann is as good as they get.
Response from the owner:Thank you. The TV attorneys are just settlement mills. People are hiring a paralegal, not a lawyer. Our law firm is different. You are represented by an attorney and we do not have settlement quotas.
Leigha M.
2 years ago
If you have ever watched any lawyers, you will agree this is one of the best automobile accident litigators in Saint Louis County.
Ashley S.
2 years ago
I would describe this lawyer as highly educated, sharp, and top of his game. Explains the car accident process and treatment options well. The lawyer said if they don’t pay you, we will have the jury take it from the insurance company. Great lawyer. Dynamic person.
George K.
2 years ago
Very good car accident lawyer. Gets the job done.
Jessica J.
2 years ago
Interviewed all the TV car accident lawyers and decided to call this law firm that had great reviews. So happy I did. What a difference!
Response from the owner:TV car accident lawyers are just mass production. This is not a good fit for litigated cases. Paralegals instead of lawyers. Monthly quotas for settlements. Car accident victims end up in a cattle call with the lawyers on TV.
Jacob P.
2 years ago
Love my car accident lawyer. This law firm is a step above.
Response from the owner:Our lawyers train and track the best approaches on cases. Whether litigation in cases or the practicalities of certain treatment, the growth of our lawyers over time is paramount. Always staying ahead of and setting practice trends. Thank you.
Ashley S.
2 years ago
Serious family member have a car accident injury? Look no further. This litigator is for real. Always two steps ahead of the other lawyer.
Response from the owner:This is a sad reality for car accident lawyers. The #1 passenger in an auto accident is a relative. Helping a family make it through this and putting the family back together is one of the most rewarding things I do as an automobile accident attorney.
RIcky P.
2 years ago
This lawyer handles really big accident cases in St Louis. He is a lawyer, accountant and has his masters in tax so he gets the injury cases for individuals that can never go back to work or individuals own a business and cannot run it due to injury. He specializes in valuations of massive loss. Thank goodness a firm like this exists.
Response from the owner:Thank you. When accident are severe and you lose the ability to work or to continue a business, having an accounting and tax background is key. Valuing large losses are second nature for us.
Kasandra H.
2 years ago
You are a great lawyer! Thank you.
Response from the owner:That is a great compliment. Thanks.
Brandon W.
2 years ago
Asked a trauma surgeon who operates on car accident victims who are the best injury lawyers that have taken his deposition. He said “by far” it was Mr Hoffmann. Interviewed several attorneys and this was a correct assessment. In a league of his own!
Response from the owner:Our attorney have deposed nearly all the trauma surgeons at every Level 1 Trauma Center in Saint Louis. These doctors save lives after a car accident. Whether controlling bleeding or reestablishing blood flow or bone structures, they are life savers.
Morgan B.
2 years ago
Few lawyers in St. Louis can handle the biggest injury cases! This is one of them!
Response from the owner:Our law firm has made great efforts in terms of training to handle life changing injury cases. Whether in depth knowledge of the medical, loss of income and earning capacity, or lifetime medical care plans, our clients feel confident and know their case is in good hands. Thank you for the compliment.
Ashley A.
2 years ago
Cannot say enough about this lawyer. Call if in an accident. This attorney handles the biggest car accidents in St Louis.
Response from the owner:Thanks Ash! Our biggest source of cases is our clients. Our second biggest referral source is defense lawyers telling their relatives to call us. Few lawyers can handle the largest cases. Our law firm welcomes and has trained for this. We don’t do mass production settlement like the lawyers on TV. Our clients can never go back to work. Their cases need massive focus and effort and often long fought litigation.
Taylor T.
2 years ago
So glad I called attorney Hoffmann. This time I got it right! So glad I hired the Hoffmann Law Firm - professional, reliable and available.
Response from the owner:Thanks Taylor. Our lawyers answer the phone day, night, weekends and even during lunch. Being professional means training to beat the best defense lawyers. Client rely on us to get results and we do.
Malashia M.
2 years ago
Great lawyer. Cares about his clients, knows his stuff and goes the extra mile. I recommend this lawyer for car wreck injury claim. Every other lawyer on TV would not even help with my property claim. This attorney did.
Response from the owner:Thank you for the kind words. Every case starts with a great client. You are correct the car accident lawyers on TV are mass production settlement mills. When injury clients fire them, we get their files and the cases are not worked up at all. Appreciate your confidence in us!

Unless you are fortunate, a car wreck may require you to visit the emergency room or spend time in a long-term care facility. This can leave you with mounting medical expenses. And you may find yourself wondering: Who’s going to pay your medical bills? Let’s consider the answer to this question and how you can protect your legal rights after an accident.  

Who Pays Medical Bills After a Car Accident?

Like most people, you probably think that since another driver’s negligence caused your injuries, their insurer ought to pay your medical bills. While this may technically be true, the at-fault driver is by no means required to pay your medical care bills as they come in. Their insurer generally won’t compensate you until you have made a full recovery and been discharged by your treating doctor. 

So who pays? Well, the medical bills for all the treatment you receive after a car wreck are generally your responsibility. In other words, the medical expenses are generally your obligation.

Your Options for Covering the Cost of Medical Treatment

PIP Insurance Cover 

If you have PIP insurance cover, you can use it to cover all or part of your medical expenses. However, it’s worth noting that PIP only provides coverage for a fixed amount of medical expenses following a car crash, which means you’ll need to consider other sources if your bills exceed your PIP cover limit. 

Medicaid

If your cost of care exceeds your PIP cover limit, you may use your Medicaid to pay your medical bills. 

After PIP and Medicaid benefits have been exhausted, you may use your private health insurance to cover your bills. However, if you don’t have personal health insurance coverage, you will likely have to make out-of-pocket payments. Alternatively, you can shelve any remaining medical balances until your claim is settled, but that can ruin your credit rating.

Requesting a Reimbursement of Your Medical Costs

After making a full recovery, you should generally file your injury claim against the at-fault driver’s insurer, requesting reimbursement of all your medical expenses.

How Much Can I Get for My Car Accident Settlement?

There is no set maximum or minimum settlement amount for injury settlements. Instead, the compensation payout you’ll receive will vary depending on multiple factors, including: 

  • The type or severity of your injuries. The more severe your injuries, the higher your compensation will possibly be.
  • The amount you may have incurred in medical expenses as a result of the accident .
  • Whether the other party has admitted fault for the accident and the resulting damages.
  • If the accident involved permanent injuries or death.

Can I Reject a Settlement Offer I Think Is Too Low?

Yes! You can. 

Do not accept a settlement if you have even the slightest suspicion that the insurance company is lowballing you. The moment you accept and sign the release document, there is generally no turning back. 

St. Louis Car Accident Lawyers

Don’t face the insurance company alone! Speak with an experienced St. Louis car wreck attorney as soon as possible after an accident to ensure your legal rights are protected. Call The Hoffmann Law Firm 24/7 for a free case evaluation.

Free Consultation with a St. Louis Car Accident Lawyer

Don’t talk to an insurance claims adjuster before speaking with The Hoffmann Law Firm, L.L.C. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!