What if I don’t have enough PA car insurance to pay all of my PA car accident medical bills?

A: If you’ve been injured in a Pennsylvania car accident and your medical bills exceed the limit of the medical benefits coverage under your car insurance policy, then your health insurance company should pay whatever bills are not covered.

If you don’t have health insurance, then you’ll be responsible for paying your bills as you go. You’ll be entitled, under the law, to recover those expenses from the person who caused the accident. But that money will come, if ever, only after a settlement or verdict and only if you can prove, through competent medical testimony, that those bills were reasonable and necessary for the treatment of an injury that was “proximately caused” by the accident.