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Who pays the medical bills and other losses after a car crash?

On Behalf of Bollenbeck Fyfe, S.C. • Jun 02, 2021

If you’re involved in a car crash with another driver, one of the first questions you’ll have is how you’re going to get your medical bills and other losses covered. It’s not your fault that another person wasn’t paying attention and hit you, so it is reasonable to ask that they cover your expenses.


Most of the time, victims of motor vehicle accidents have the option to file a claim against the other person’s insurance coverage. This is the most common way to seek compensation and to get coverage for medical bills, lost wages, damage to your vehicle and other losses.


Unfortunately, there are times when this isn’t an option. For instance, if a driver did not carry auto insurance or if the auto insurance doesn’t cover enough, you may need to pursue other options to get the money that you need to move forward with your life.

How can you get compensated if the driver doesn’t have insurance (or doesn’t have enough?)

There are usually a few other options to help you cover your losses. One option is to use your own auto insurance if you have underinsured/uninsured motorist coverage. In that case, your insurance provider will handle your claim and pay out based on your policy’s benefits plan.


You may also use your own health insurance coverage to take care of medical bills. This may leave you with deductibles or copays, but combined with Med Pay or personal injury protection insurance, you may have enough to cover your losses and future medical expenses as well.


Finally, if this isn’t going to be enough, you do have the option to pursue a personal injury lawsuit against the other driver.

What happens if you need to pursue a lawsuit?

If you pursue a lawsuit, your attorney will talk to you about the likelihood of recovering the compensation you need before you begin. There are several options for getting your care and financial losses covered, so a personal injury lawsuit is usually one of the last options. Regardless, if you need to hold the other person responsible and there are no other solutions, your attorney can help you take the case to court.

Picking your doctor for a Wisconsin workers’ compensation claim

By On Behalf of Bollenbeck Fyfe, S.C. • 06 Oct, 2021
When you’ve been hurt on the job, does it really matter so much who gets to pick your worker’s compensation doctor? Absolutely. Unlike most other states, Wisconsin is very liberal about the way that it treats its injured workers. Under the law, you — not your employer — get to pick your treating physician. You can even change doctors if you decide the first doctor isn’t providing responsible care. (If you still aren’t satisfied with the medical care you receive, you’ll need your employer’s permission to switch physicians once more.)

What can you do to avoid a dog biting you?

By On Behalf of Bollenbeck Fyfe, S.C. • 23 Sep, 2021
Dogs do not always act according to specific rules, and any dog could bite you if it feels like it. However, understanding a little about how dogs think may help you avoid getting bitten.  The first thing to know is that some dogs are more likely to bite you than others. Certain breeds have it in their nature to attack. Others become aggressive due to the way their owners raise them. If your child is looking for a dog to stroke, steer them away from anything that looks like it is meant to go head to head with mountain lions or armed robbers.

How dangerous is an intersection?

By On Behalf of Bollenbeck Fyfe, S.C. • 13 Sep, 2021
Almost every time you drive, you’re bound to come to some sort of an intersection. It may be a two-way stop, where you have to wait for cross traffic. It could be a four-way stop, where everyone has to wait and take turns. It may even be a light-controlled intersection, where all drivers are just supposed to do as instructed by the automated traffic signal. Regardless of how common they are, intersections are very dangerous. They’re so notorious for this that researchers have studied them to find the most dangerous ones in each state. Under normal driving conditions, going through an intersection could be the riskiest thing you do on the road. Why is this?

Getting ready for fall motorcycling

By On Behalf of Bollenbeck Fyfe, S.C. • 09 Sep, 2021
Fall is an exciting time for motorcyclists. It’s cool enough that the safe leather gear does not get too hot and warm enough that you do not need several layers to keep from shivering. As you get your bike ready for fall, it is essential to take a moment to get yourself and your motorcycle ready for the changes in the weather. Here are a few ways you can plan for a safer ride this fall.

How the SSA’s definition of disability can complicate your claim

By On Behalf of Bollenbeck Fyfe, S.C. • 30 Aug, 2021
The Social Security Administration (SSA) has a rather strict definition of what it means to be “disabled” in a way that qualifies you to receive Social Security Disability Insurance (SSDI) benefits.  You need to understand how the “12-month rule” could affect your claim if you intend to file a claim.

Getting used to driving a new car after a crash

By On Behalf of Bollenbeck Fyfe, S.C. • 17 Aug, 2021
Are you going to be driving a rental car in the aftermath of a crash? Maybe you need to buy a new one because yours is beyond repair. Either way, you’re going to be finding yourself behind the wheel of an unfamiliar car at a time when you’re probably already nervous about driving again.  Even if you get a newer model of the same car, there are going to be a lot of differences to get used to. It’s essential to familiarize yourself with all of those changes before you’re out on the road. That requires a bit of time and patience.

Why are dog bite attacks so expensive?

By On Behalf of Bollenbeck Fyfe, S.C. • 03 Aug, 2021
Any kind of injury or illness can come with expenses that hurt your finances. However, dog bite attacks often proved to be far more financially devastating than people expect.  What at first seemed like a minor issue may eventually result in thousands of dollars in medical expenses and lost wages. What makes dog bite attacks so expensive?

3 criteria you need to meet to receive SSDI benefits

By On Behalf of Bollenbeck Fyfe, S.C. • 30 Jul, 2021
Social Security Disability Insurance (SSDI) is a crucial benefit for working individuals who suffer serious injuries or develop disabling medical conditions. SSDI benefits will help you cover your living expenses when you can no longer work because of your health.  However, only certain people actually qualify for these benefits. Determining whether or not you can potentially qualify for SSDI can help you decide if applying is worth the effort. There are two specific criteria that your circumstances must meet for you to get SSDI benefits.

Will insurance be enough to protect you after a Wisconsin crash?

By On Behalf of Bollenbeck Fyfe, S.C. • 20 Jul, 2021
Many people think that car insurance protects the victims of crashes from losses. However, insurance in Wisconsin is a liability-based program. It does offer coverage to people hurt by irresponsible drivers, but its primary role is to protect the person who caused the crashed from financial liability.  Unless you pay for special coverage, you will be dependent on the other driver after a crash. Unfortunately, that might mean that there isn’t enough insurance to repay you for the losses you incurred because of the wreck.

A denied SSDI claim is often just the first step toward benefits

By On Behalf of Bollenbeck Fyfe, S.C. • 06 Jul, 2021
Applying for Social Security Disability Insurance (SSDI) benefits can be a very humbling experience. You have to accept the idea that your medical condition could permanently affect your earning capacity. You also need to acknowledge that you need help in daily life or that you don’t have enough income to support yourself anymore.  Once you reach that point, you then it needed to gather enough medical documentation to prove that your condition affects your daily life. You have to submit your evidence and certain paperwork to the Social Security Administration (SSA). Unfortunately, many people who need SSDI won’t receive benefits right away when they apply. Instead, the SSA denies their application.
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