Who Pays Medical Bills in a Car Accident in California?

Being involved in a car accident can be stressful, painful, and confusing—especially when medical bills start to pile up. One of the most common questions people ask after a crash is: Who pays medical bills in a car accident in California?

In most cases, the at-fault driver is responsible, but getting those bills paid isn’t always simple. The process can involve insurance companies, health plans, and legal rules that aren’t always easy to navigate. This guide explains your options and outlines what California drivers should know after an accident.

What to do Immediately after a car accident

What you do in the moments after a car accident matters. Acting quickly can protect your health and improve your ability to pursue compensation. Here’s a clear list of steps to take right away:

1. Call 911. Report the accident and request emergency medical help if needed.
2. Get medical attention. Even if injuries seem minor, seeing a doctor creates a medical record that may be important later.
3. Exchange information. Get names, insurance details, license plate numbers, and contact info from everyone involved.
4. Document the scene. Take photos of the vehicles, road conditions, and injuries.
5. File a police report. This can support your claim later.
6. Notify your insurance company. Let them know what happened, but avoid admitting fault.

At-fault driver’s insurance as the primary source

In California, the at-fault driver’s liability insurance is typically the first method used to pay for medical costs after a car accident. California follows a “fault” system, meaning the driver who caused the accident is financially responsible. While this may sound simple, it often isn’t. Claims are rarely resolved quickly. Insurance companies may need weeks or even months to process, investigate, and negotiate a claim. During that time, you might have to find other ways to manage medical costs. Knowing your short-term payment options ahead of time can make a major difference in your recovery. Their insurance is generally expected to cover:

• Emergency medical treatment includes ambulance services and ER visits.
• Follow-up care and rehabilitation related to the accident.
• Lost wages if you’re unable to work due to your injuries.
• Vehicle repairs or replacement.

The Role of Health Insurance

Your health insurance can help cover immediate medical bills after a car accident. This coverage may include:

• Emergency room visits
• Hospital stays
• Follow-up care and therapy

If your health insurer pays for accident-related treatment, they may file a claim for reimbursement from any future settlement. This is called a right of subrogation. This means they have the right to be paid back the amount they covered once the at-fault driver’s insurance settles.

Benefits of Consulting an Attorney

Navigating the aftermath of a car accident can be complicated. An experienced attorney can help clarify the process and ensure your rights are protected every step of the way. Here’s what an attorney may assist with:

• Policy review: They can carefully examine your auto and health insurance coverage to help identify what applies to your situation.
• Communication with insurers: Attorneys often handle back-and-forth with insurance adjusters, so you’re not pressured into accepting a low settlement.
• Organizing documentation: From medical records to repair estimates, they can help gather the necessary paperwork to support your claim.
• Understanding your legal options: If multiple parties are involved or fault is disputed, a lawyer can explain your options clearly.

Tips for Accident Victims

Being involved in a car accident can be overwhelming. Here are a few practical tips to keep in mind:

• Track all medical treatments. Keep copies of bills, prescriptions, and doctor’s notes.
• Avoid discussing the accident. Don’t post about it on social media or talk to the other driver’s insurer without advice.
• Watch for deadlines. California’s statute of limitations for personal injury claims is generally two years.
• Consider all sources of help. You may have multiple ways to cover expenses until a settlement is reached.

Get help today from a California Car Accident Lawyer

If you’re unsure about who pays medical bills after a car accident in California or how to deal with insurance claims, speaking with a lawyer may help.

The experienced attorneys at The Barnes Firm have helped many clients throughout California understand their rights and recover compensation after serious accidents.

Each situation is different, and an attorney can review your case, explain what to expect, and guide you through the next steps.

Richard Barnes – President of The Barnes Firm

Richard Barnes: “As President of The Barnes Firm, I have dedicated my career to achieving justice in hundreds of cases for the victims of injuries caused through the fault of others. Additionally, I have been honored to have been elected Best Lawyer and a Super Lawyer”

Years of Experience: 30+ years
LinkedIn Profile: Richard Barnes