Who pays my medical bills while my Arkansas accident case is pending?

The at-fault driver's insurance will not pay your doctors as visits occur; they only issue a final, lump-sum settlement. While your case is pending, medical bills are covered through auto policy Medical Payments (MedPay), private health insurance/Medicaid/Medicare, or through medical Letters of Protection (LOPs).

Who Pays My Medical Bills While My Case Is Still Pending?

The Brad Hendricks Law Firm

4 hours ago

1 min read

You are responsible for your medical bills as they are incurred; the at-fault driver’s auto insurance does not pay providers on an ongoing basis. Instead, bills are handled during the claim through your own Medical Payments (MedPay) coverage, private health insurance, or a medical Letter of Protection (LOP) from a Car Accident Lawyer at The Brad Hendricks Law Firm.

The at-fault insurer only issues a single lump-sum check when a global settlement release is signed. In the interim, care is funded through:

Medical Payments (MedPay): Optional, no-fault auto policy coverage (Ark. Code Ann. § 23-89-202) that pays upfront medical bills regardless of fault, typically in blocks of $5,000 or $10,000.
Private Health Insurance: Bills are processed under standard co-pays and deductibles, with the insurer securing a subrogation lien to be settled later.
Letters of Protection (LOP): A written contractual agreement with treating doctors to delay billing collection until your underlying personal injury settlement resolves.