If you have health insurance:

If you have health insurance, you should provide your insurance information to all healthcare providers you see related to your personal injury case. If you still receive bills from some providers, you need to submit all billing you receive related to case to your health insurance company for payment.

If you do not have health insurance:

If you do not have health insurance, or there are portions of your medical bills that are not paid by your health insurance, those bills will need to be paid out of the settlement in your case. You should be sure to either keep an organized file with these bills, or provide them to your personal injury attorney to do so.

If you have medical payments coverage on your auto or motorcycle policy:

If you carry medical payments (“med-pay”) coverage on your automobile policy (med-pay is coverage on your auto or motorcycle policy – which may cover you even if you were a pedestrian or on your bicycle in the accident for which you have a personal injury claim), med-pay usually pays up front (you do not have to wait until the close of your case) for some of your medical costs.

If you do not have either health insurance or med-pay coverage:

However, if you do not have health insurance or med-pay coverage, there may be no immediate method to pay medical bills as they are incurred (other than cash, which you may not have.) Therefore, you will likely have some bill collectors contact you for payment of bills related to your case. If they do contact you, immediately forward their bills, correspondence and contact information to your attorney. Hopefully, your attorney (like we do in our office) will call and try to convince the medical provider or collection agency to put the collection efforts on hold until the final resolution of your case. The medical provider may put what is called a “lien” on your case and wait to be paid out of the final settlement or judgment proceeds from your case. If that is not possible, you or your lawyer should be able to work out a reduction for immediate payment or a payment plan.

Paying outstanding personal injury bills at the close of the case:

At the end of our cases, we aggressively negotiate our client’s medical bills (working to get discounts and reductions for them) and then we pay all outstanding bills (which we hopefully reduced) out of the settlement. We do not leave our clients with bills hanging over their heads after the case is closed. We love for our clients to walk away from the personal injury traffic accident case free and clear.

Accident Client

“Last March, my partner was struck by a vehicle while crossing the street. During this difficult time of healing, we knew that bills were going to pile up and his was going to be a long process. After looking at multiple law firms, we knew that Sally Morin Personal Injury Lawyers was going to be the best place to work with. Lauren and her team were patient, supportive and caring during his difficult time. His schedule was always busy with work and doctor appointments that his main source of communication was through email. Lauren and her team made it to where he didn’t have to worry about anything but just sending over the paper work he got from the hospital, and other bill collectors involving his incident and they worried about the rest.

Because of all their help my partner Aaron, was able to heal with less worries on his shoulders. By end of December, everything was settled and we were pleased with the results. I’d like to give a huge thank you to Lauren & the Sally Morin team. If you’re looking for a law firm for your incident, I’d definitely look at this law firm.”

We're here to help with your Personal Injury claim

Check out our Personal Injury FAQ Page to learn more about how the process works.

We Handle Your Personal Injury Accident Claim So You Can Focus on Your Life

After an injury, contact the attorneys at Sally Morin Personal Injury Lawyers. We handle many areas of the law, including pedestrian and car accidents that involve speeding. We believe you should be able to focus on recovering while we handle the legal details.

We truly care about the people of San Jose and all of California. Contact us today for a
free online case evaluation.


It is essential to know your rights after a traffic accident so you can protect yourself and the value of your claim.
This guide will help you:

  • 1Know what to do when dealing with insurance claims, police reports and lawyers.
  • 2Avoid making mistakes that undermine the value of your claim
  • 3Put yourself in a position to get the best settlement possible