Who Pays My Medical Bills While My Case Is Pending?

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Key Takeaway:

While your personal injury case is pending, your medical bills are typically paid through health insurance, PIP or MedPay coverage, or a medical lien—plus, Carabin Shaw helps clients access care and emergency funds when needed.

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After an accident, medical expenses can hit hard—often long before your case is settled. Personal injury claims seek compensation from the at-fault party’s insurance, but depending on how complex your case is, resolution can take months or longer.

So what happens in the meantime?

Options for Covering Medical Costs While You Wait

There are several ways injured individuals typically cover medical expenses while their case is pending:

• Private Health Insurance
  Your health insurance can usually cover your medical treatment upfront. While you’ll still be responsible for your deductible and co-pays, it helps reduce the financial strain.

• PIP Coverage (Personal Injury Protection)
  Most Texas drivers have PIP coverage unless they declined it in writing. It includes at least $2,500 in benefits per person and covers medical expenses, some lost wages, and more—regardless of who caused the accident.

• MedPay (Medical Payments Coverage)
  MedPay is optional in Texas and helps pay for hospital bills, ambulance fees, and related costs. Unlike PIP, it doesn’t cover lost wages.

• Medical Liens or Payment Plans
  Hospitals and treatment providers may agree to:

  • Medical Lien: They provide care now and get paid later from your settlement.

  • Payment Plan: You make smaller payments in the meantime, reducing the risk of collections.

How Carabin Shaw Helps Our Clients

At Carabin Shaw, we don’t just fight for your legal rights—we help you manage the real-life impact of an injury. Our firm can:

• Connect you with quality medical care, even if you don’t have health insurance.

• Assist with emergency cash advances to help cover essential expenses while your case is pending.

You focus on healing. We handle the rest.

Injured? Call Shaw.

If you’ve been injured due to someone else’s negligence, you shouldn’t be stuck covering the costs while your case moves through the system.

Call Shaw today at 800-862-1260 to schedule your free case evaluation with an experienced personal injury attorney in Texas. No fees. No obligations. Just expert legal guidance when you need it most.

We look forward to serving you.