How can I get coverage for 100% of my medical bills after a not-at-fault collision?

"I was in an accident and it was the other driver's fault. The police report didn't really determine fault, and their insurance company is only offering to pay 80% of my medical bills.

Is there a way to get his insurance company to pay more? Do I need to sue the other driver to get him to cover the rest of my medical bills?"

“If the police report does not determine fault, you may need to negotiate with the other driver’s insurance company. This may require submitting proof that their driver was at fault in the accident.
If they accept liability for the accident, your medical bills will be covered up to their insured’s bodily injury liability limits.
Once these limits are exhausted, you may need to either submit a claim through your own insurance or pursue the other driver for the remaining costs.
If the other driver’s insurance company is unwilling to work with you, you should speak with a lawyer. There are lawyers that specialize in bodily injury claims and accidents. Most don’t charge a consultation fee, either.
They’ll be able to review the accident details to determine if you have a case. From there, you can decide if you’d like to pursue legal action.
Emily Maracle
Answered on May 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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