After a car accident, one of the biggest concerns people in Corpus Christi have is: “Who pays my medical bills?” Emergency care, surgeries, and rehabilitation costs can add up fast, leaving victims stressed and uncertain about their financial future. Texas law is clear about fault and responsibility, but the process can still be confusing when insurance companies get involved. This guide explains how medical bills are handled after a crash in Corpus Christi, what your options are, and why speaking to an attorney can protect you from paying out of pocket.
Understanding Texas Fault Law
Texas is an “at-fault” state, meaning the driver responsible for the accident is generally responsible for damages, including medical expenses. In Corpus Christi, this means their insurance should cover your treatment — but insurance companies often fight to minimize payouts.
Insurance Coverage That May Apply
- At-Fault Driver’s Insurance – Primary coverage for injuries.
- Your PIP (Personal Injury Protection) – Pays medical bills regardless of fault.
- MedPay – If included in your policy.
- Health Insurance – Can step in while claims are pending.
What Happens if the At-Fault Driver is Uninsured?
In Corpus Christi, uninsured or underinsured motorists are unfortunately common. If you carry UM/UIM coverage, it may step in. Otherwise, you may need to pursue a personal injury lawsuit to recover damages.
Why You Shouldn’t Pay Out of Pocket
Hospitals and bill collectors may pressure you to cover costs yourself. But paying before liability is resolved can cost you thousands you may later recover. An attorney ensures bills are negotiated and delayed until settlement or trial.
When to Call a Lawyer
- If your injuries are severe or long-term
- If insurance companies delay or deny your claim
- If the at-fault driver is uninsured/underinsured
- If multiple parties may share fault
Closing CTA:
If you’re facing medical bills after a car accident in Corpus Christi, don’t let insurance companies dictate your future. Contact Jerry Guerra Law today for a free consultation and let us fight to make sure the right party pays your medical expenses.