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Who pays the medical bills?
The at-fault insurer usually pays at the end, not as you go. Here’s what fills the gap.
| Source | How it works |
|---|---|
| Health insurance | Pays now; may seek repayment from the settlement (subrogation) |
| MedPay | Your auto coverage for medical bills, regardless of fault |
| Letter of protection | Provider waits to be paid from the case |
| Hospital lien | Hospital may file a lien against the recovery |
| Medicare / Medicaid | Must be repaid from the recovery under federal and state rules |
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