Am I required by law to pay my medical bills with the money paid to me by the insurance company?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 27, 2012

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Insurance Question from Indianapolis, IN

Asked on 03/27/2012

Am I required by law to pay my medical bills with the money paid to me by the insurance company? I was in an auto accident and the other insurance company paid repairs to my car. Now they are sending a check in my name to cover medical costs. Am I required by law to pay the bills?

Answer given on March 27, 2012

If the insurance company is reimbursing you for medical payments, you are still responsible for the debts you incurred from the hospital or doctors who treated you. You may be able to ask the insurance company to pay the hospital or doctors directly, but usually the insurance company is going to reimburse you, since yiou submitted the bills to them for the amounts due your medical providers.You ask if you are required by law to pay these bills. This is an insurance website, so we can only respond to what the insurance is intended to pay. I can’t imagine why an attorney would tell you that you are not required to reimburse your medical providers since you were paid for your expenses for the medical expenses you incurred from the accident. If you have not paid your doctor and or hospital for the services provided it seems odd that you would not feel you were responsible to pay for the services they provided.


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