How do my medical bills get paid?

The first thing we will find out is whether you have medical payments coverage under your own insurance policy. Colorado law now requires insurance companies to offer $5000 in medical payments coverage, although an individual can choose not to accept that coverage.
If you have health insurance, Medicare or Medicaid, your medical care may be paid for in full or in part through these programs. However, be aware most policies require repayment of these benefits from any claims you pursue against the at-fault party.
The insurance carrier for the person who caused the accident (or your own uninsured motorist coverage) is ultimately responsible for payment of the medical bills. Generally, the insurance company pays medical bills, pain and suffering, lost wages and other claims in one lump sum (other than property damage claims).