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How to Handle Medical Bills While Waiting On an Injury Settlement

Filing a personal injury claim is the first step to getting the compensation you need after an injury. But in most cases it takes months before you reach a settlement agreement with an insurance company. And it could even take years if your case goes to trial.

In the meantime, expensive medical bills are piling up. How are you supposed to cover your mounting costs before your claim is settled?

And of course, when recovering from an injury, the last thing you need is something else to worry about.

Fortunately, under Minnesota law, you do have options even before settling your claim or winning at trial. Here are a few of your best choices.

Health Insurance

If you have health insurance, some or all of your medical expenses will be covered up to the limits of your policy. (Though, of course, you’ll still be responsible for any deductibles or copays.)

The insurance company may also file a lien against your future settlement, which means that they will ask for reimbursement if you receive compensation.

This is the most common way personal injury victims deal with medical expenses when waiting for compensation, but it’s not the only one. If there is some reason you can’t use your health insurance coverage, there are other ways.

Personal Injury Protection (PIP) Insurance

If you were injured in a car accident, the mandatory personal injury protection (PIP) under most circumstances should cover at least part of your medical costs. And because Minnesota is a no-fault state, you can use this PIP coverage regardless of who caused the accident.

You could even use this method if you were injured as a passenger or a pedestrian.

Best of all, under most circumstances, you won’t be required to pay your insurance provider back with any compensation you may receive from a settlement or trial verdict.

Deferred Payment

One of the best ways to handle your medical bills if you don’t have health insurance is to request that your healthcare providers defer payment until after you’ve received some compensation. This can include payment for:

  • Medical inspections and treatment
  • Surgery
  • X-rays and other forms of imaging
  • Medication
  • Rehabilitation


Most providers will agree. In fact, they’re probably familiar with this type of arrangement and already have a “letter of protection” ready to go. Once you’ve signed the contract, they’ll treat you as they would any other patient. Then, after you’ve resolved your personal injury claim, you’ll repay them for any outstanding balances due.

Of course, you will be bound to make good on your pledge even if you lose your claim. And if you don’t pay, the healthcare companies involved can pursue legal action against you—even if you didn’t understand exactly what you were agreeing to. That’s why it’s always wise to consult an attorney before signing any contracts with a hospital or other healthcare provider.

Medicare or Medicaid

For those who qualify, Medicare or Medicaid may also be an option for covering the costs of medical treatment after an injury accident.

However, as with your health insurance, these programs will request reimbursement once you’ve reached a settlement

Everyone deserves competent healthcare. If you’re suffering from the aftermath of an injury, you shouldn’t have to shoulder the burden alone.

No matter your financial situation, there are always options for getting the medical attention you need. This process is often complicated, however, and you’ll almost certainly need an attorney to help you navigate the legal nuances.

At SiebenCarey, we’ve spent decades fighting for the rights of our clients. Our number one goal is to get you all the benefits you’re entitled to, including healthcare coverage—and to give you true peace of mind in the meantime.

Click here for a free, no-obligation case evaluation.

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Client Reviews

out of 182 reviews
Jeanne Tondryk

Eric W. Beyer helped me through a very difficult time and his professionalism, advice and results from an injury were highly respected. Amidst the personal part of getting myself back to health, his guidance when life was blurry was so appreciated. He listened and then put forth my options honestly and directly which I totally appreciated!

 Was totally satisfied with his hard work and dedication to help me. I'd highly recommend him. Thank you Eric!

Chris and Amy Boys

We worked with Art and his team on a personal injury case. We could not have been more pleased with the result. Art and his team were both professional and personable, and were a pleasure to work with. I would highly recommend Art and his team if you find yourself in this type of situation.

Daunne Schaller

I was seriously injured in a car accident on my wedding night and went to SiebenCarey. Being involved in an accident is never fun. The folks at SiebenCarey got us thru the event helping us get on with our lives. They were up front and honest. We knew we could trust them. It’s clear to me why Art has been recognized as a Best Lawyer in America and Super Lawyer for 12 years running. Now anytime I know someone who was involved in an accident I refer them to SiebenCarey.

Deb Colombe

I was involved in a car accident that was complicated at best. God blessed with me Eric Beyer as my attorney. Although it was a long drawn out process between the two insurance companies, Eric was not only my attorney, he was my rock.

Eric is one of the most ethical people I have ever met in my lifetime. He was a constant source of not only information, but of comfort throughout the whole process. I never doubted for one moment that Eric did not have my best interest at heart. He took every word I said seriously and did what he had to do. If I ever have the misfortune of another injury like this, I would go to no one other than Eric Beyer. I will never in my lifetime be able to thank Eric enough or let him know how much I respect him and what a comfort he was and has continued to be for me. God Bless you Eric Beyer.

Jesse Bukal

In need of a personal injury attorney? Well you're if you're reading this you're in the right place. You'd be hard pressed to find more competent attorneys than the ones here at SiebenCarey.

They took my case to trial and an amazing job presenting the facts and fighting for my best interests! Three years ago I was unsure of what my future would bring; now that it's over I can rest a bit easier. With SiebenCarey as my counsel, I believe I had the absolute BEST representation a person could've asked for. I knew that I wanted the absolute best representation when searching for an attorney to handle my case and I most definitely received it.

If you need a personal injury attorney, look no further. Can't recommend highly enough.

Teresa Zweber

I retained Robert Brabbit in 2011 for a workmans comp case. I have been extremely pleased with him as my attorney. He won the first part of my case with ease, he has great knowledge and professionalism and am anxious to see the end results of my settlement. I would recommend him highly and he won against a major retail store.

Morgan Petoletti

My husband had an amazing experience with this firm. They listened and took the time to understand our case.

Sheryl Nixon

Jeff Sieben was the first one I talked to about my injury. I was not sure if there was even a case. But as the months went by and my pain got worse, the seriousness of the injury became apparent. Jeff took on the case and put me at ease about the medical bills and calls. He was professional in his attitude while being compassionate to my situation. I have recommended him to others and will continue to do so. 

Ashlyn Wall

They were able to work with me while I was away for school and much appreciated the help. I would highly recommend them!

Adele Thompson
I would like to express my gratitude for the excellent assistance in processing my legal action necessary due to a car accident. In particular Matthew Steinbrink exceeded my expectations regarding all the necessary paperwork and negotiating on my behalf. I would not hesitate to recommend SiebenCarey in the future.

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