I was hurt in a car wreck - no fault - whose insurance pays?

Question:

At first I thought I wasn't hurt, but then my neck started to hurt a few days after the wreck, and my back is aching badly. I've got insurance with my auto insurance company for medical expenses. But the accident was caused by a driver who bumped into the back of my car, and her insurance is taking responsiblity. But which insurer will pay for my medical expenses? I don't want to pay a lot up front for an MRI - can I request a payment before going to the doctor? I've been putting off going as I'm worried about the money, and also I thought I might just get better without the need for doctors (I'm really claustrophobic so MRIs scare me). But I'm still having pain in my neck (isn't that what a car wreck is!!). Which insurer should I request payment from for the medical expenses? And when? Hoping someone can help!

Answer:
Be careful who you listen to- alot of people are here have no idea what there talking about

Who pays completely depends on what state you live in. For example, Florida is a "no fault state." That simply means your own insurance is primary for injuries. But other states have the at fault party pay entirely.

Questions like these are EXACTLY what you have an adjuster for. Dont be afraid to ask.

If you want to give more information on your state and your coverages id be happy to help. Just be careful who you listen to about car insurance. Most people are know-it-all's who really know nothing about this subject.

Whoever is at fault is whos insurance pays hun!

Her insurance should cover you. Contact your insurance company let them know about your pain. They will usually front the costs (if you have full coverage) and collect payment from the other company.

Well you may not need an mri as much as physical therapy. You should still seek medical attention. In Calif. since you were not at fault, the other party's insurance may cover it. But, you may have to pay for it at first. If you have medical insurance, you will want to go with that first, but make sure to claim whatever the full cost is, because when you are reimbured from the insurance company, you often have to reimburse your medical insurance. Depending on who your insurance carrier is, you may want to talk to your claims adjuster. Often, you do not have to worry about the procedures, because your carrier may be proactive and will get the $$ from the other carrier.

Basically, talk to your insurance company. That's what you paid them for.

I hope and pray that you get better soon.

they pay

Your insurance pays your medical bills, the other person's pays your pain and suffering. They settle with you only at the end of your treatment. It's not your choice, that's the way you should file it. Your medical provider will need to bill the company that will pay them upon receipt of the bills and review. That would be your insurance company. No insurance companies pay up front in advance.

Don't jump to conclusions that after a few days you'll need an MRI. Sprain/strain injuries like whiplash often resolve within a few weeks without even needing treatment. See your doctor of course, but don't panic.

I was hurt in a car wreck - no fault - whose insurance pays?

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