In This Article
After an injury, medical bills start arriving long before any settlement. Figuring out who pays in the meantime — your health insurer, auto medical-payments coverage, or the at-fault party eventually — is one of the most confusing parts of a Nevada claim, and getting it wrong can cost you.
Medical Payments Coverage
Many Nevada auto policies include medical-payments, or med-pay, coverage that pays initial medical bills regardless of fault, up to the policy limit. It is fast, no-fault money that can cover deductibles and immediate costs while your liability claim is pending. Check whether you have it; many policyholders forget.
Using Health Insurance
Your health insurance can and usually should pay for crash-related treatment while the claim proceeds, which keeps providers paid and protects your credit. The health insurer may later assert a subrogation right to be reimbursed from your settlement — but a good attorney negotiates that reimbursement down.
The Liability Settlement Reconciles It
The at-fault driver's insurance ultimately compensates you for medical expenses as part of your injury settlement. Out of that settlement, med-pay and health-insurance reimbursement claims are reconciled. Coordinating these sources properly can mean thousands of dollars more in your pocket.
Free Coverage-Coordination Review
If you are unsure which insurance should be paying your bills after a Nevada crash, a free review can map out your coverage and protect your eventual recovery.