How can I get my insurance to cover my medical bills? 26 Answers as of February 20, 2012

We need to develop the facts in more detail. It is difficult to advise you without knowing what it was that happened to make you feel like someone hit you, and who said there was no one. "No impact" accidents do happen. But, not surprisingly, insurance companies are hard to convince without clear unequivocal evidence.

If it is your auto insurance that you want to pay the bills, you generally have to be able to prove that there was an auto accident. In your question, you suggest that there may have no accident, but that seems a bit confusing given that you said you were taken to the hospital. You should talk to a personal injury lawyer in your area. Most will give you a free consultation. A more detailed review of the facts of your situation would allow him or her to tell you if there is a claim you can pursue.

you need a lawyer to pursue a PIP claim for youi

Your PIP insurance should cover 80% of your medical bills and 60% of your lost wages.PIP insurance is required under Florida law.

If you were involved in an accident and the other driver did not stop or remain at the scene your uninsured motorist coverage should reimburse you for your medical bills the same that an at fault driver's coverage would reimburse had the other driver stayed at the scene. You should file an uninsured motorist claim with your company (assuming you carry that coverage). However, that will not take care of your medical bills until you settle your claim with your company. In the interim, you should file a PIP (personal injury protection) application with your insurance company. All policies in Oregon are required to include a minimum of $15k of PIP coverage. This no fault coverage will cover all of your reasonable and necessary treatment related to the accident for one year or up to the policy limit (at least $15k) whichever occurs first.

It seems to me that you ought to know if you were involved in a collision with another motor vehicle. How did you get hurt? If the other car struck you and then left the scene then you should still be entitled to No Fault benefits for medical expenses and some lost wages. You can also possibly make a claim under your Supplemental Underinsured/Uninsured Endorsement on your policy. Speak to a lawyer about that right away.

Yes, file suit to pay under your personal injury protection coverage; you'll get your attorney's fees paid if you are successful, and your bills.

it depends on the extent of your coverage and whether this is an uninsured motorist claim

Can you prove that another vehicle hit your vehicle? If you can, you may have a case against your insurance company for uninsured or underinsured motorists coverage. However, you'll have to prove that there was another vehicle involved, with evidence other than your own testimony. If you have the necessary evidence I'd be happy to help you

You may have a case, based upon the information that you have supplied. We would be happy to provide you with a free consultation if you call my office at either of the numbers listed below. If my office accepts your case, there is no fee charged unless we are able to obtain a settlement for you.

Sounds like your 'med pay' insurance ran out. You need to find and hire a personal injury lawyer who can handle this for you. Most work on a contingent fee (a percentage of the recovery they get - so no money up front from you). This is likely not something you can get anywhere on by yourself.

To answer your question, you would need to provide additional facts regarding your car accident. For example, an attorney would need to know whether there was any physical property damage to your vehicle. As there are time limitations on personal injury claims, you should immediately consult with an attorney to discuss your rights/options.

You should apply for Personal Injury Protection (PIP) benefits under your auto insurance. In Oregon, there is a mandatory minimum of $15,000 of medical expense coverage and up to 52 weeks of lost income. You should consult with an attorney right away.