The aftermath of a car accident can be overwhelming. Beyond the physical pain and emotional stress, one of the most pressing questions victims face is: Who is responsible for paying medical bills after a car accident in California? Understanding your rights under state law is essential to protecting both your health and your financial well-being.

Immediate Steps After a Car Accident

After any car accident, your first priority should be your health. Even if you feel fine, some injuries—such as concussions, whiplash, or internal injuries—may not show symptoms right away. Seeking medical attention promptly ensures you receive the care you need and creates important documentation for your case.

Ideally, the at-fault driver’s insurance should cover your medical expenses. However, the process is not always straightforward, and coverage often depends on the type of insurance involved and whether the at-fault driver is properly insured.

California’s Fault-Based System

California follows an at-fault system, meaning the driver responsible for the accident is also financially responsible for the damages, including medical bills. To comply with state law, all drivers must carry minimum liability insurance, which includes:

• $15,000 for injury or death to one person
• $30,000 for injury or death to more than one person
• $5,000 for property damage

Unfortunately, these minimums are often insufficient to cover the true costs of serious injuries, leaving victims searching for other sources of coverage.

Other Insurance Options for Medical Expenses

Medical Payments Coverage (MedPay)

If your auto insurance policy includes MedPay, it can help pay your medical bills regardless of fault, up to the limits of your coverage. This can provide immediate relief while liability is being determined.

Health Insurance

Your health insurance may also step in to cover treatment costs. However, your insurer may later seek reimbursement (a process called subrogation) once the at-fault party’s insurance settles.

Uninsured/Underinsured Motorist Coverage

If the at-fault driver is uninsured or underinsured, your uninsured/underinsured motorist (UM/UIM) coverage can provide additional protection. While optional in California, this coverage is highly recommended because it ensures you’re not left paying out of pocket for someone else’s negligence.

Personal Injury Protection (PIP)

Though not required in California, PIP coverage—if you have it—can cover medical expenses and even lost wages, regardless of who caused the accident.

The Importance of Legal Representation

Navigating insurance claims and medical bills after a car accident can be complicated, especially when multiple insurers are involved or the at-fault driver is uninsured.

At Hillstone Law, we:

• Investigate the accident to establish liability
• Review your insurance policies to identify all available coverage
• Handle communication with insurance companies
• Fight to maximize your compensation so you can focus on recovery

Take Control of Your Recovery

If you or a loved one has been injured in a car accident in California, you don’t have to face the stress of medical bills and insurance claims alone. Hillstone Law is here to protect your rights and help you secure the compensation you need.

Contact us today for a free consultation. Let our experienced personal injury attorneys guide you through the process and fight for the justice you deserve.