Who Pays for Medical Bills After a Car Accident in Tulsa?
March 31, 2025
Who Covers Your Medical Bills After an Accident?
After a car accident in Tulsa, medical expenses can add up fast—ambulance fees, ER visits, surgeries, physical therapy, and ongoing care. But who actually pays? Understanding Oklahoma’s at-fault insurance system and your options for compensation is critical.
Oklahoma’s At-Fault Insurance System
Oklahoma is a fault-based state, meaning the driver responsible for the accident is also responsible for damages.
Typically,
medical bills are paid by:
1. The At-Fault Driver’s Insurance – Their liability insurance covers injuries and medical expenses for the other party.
2. Your Own Health Insurance – If the at-fault driver is uninsured or underinsured, your health insurance may help.
3. MedPay Coverage – If you added Medical Payments (MedPay) to your auto insurance policy, it can cover your medical bills regardless of fault.
4. Uninsured/Underinsured Motorist (UM/UIM) Coverage – If the at-fault driver lacks insurance, your UM/UIM policy may cover costs.
5. Personal Injury Lawsuit – If insurance isn’t enough, you can sue the at-fault driver for damages.
What If You Were a Passenger?
If you were injured as a passenger, you may file a claim against:
✔️ The at-fault driver’s insurance.
✔️ The driver of your vehicle (if they were at fault).
✔️ Your own health or auto insurance.
What If the Other Driver Was Uninsured?
1 in 8 drivers in Oklahoma are uninsured, making Uninsured Motorist (UM) coverage essential.
If the at-fault driver has no insurance, your UM policy can cover:
✔️ Medical expenses
✔️ Lost wages
✔️ Pain and suffering
Struggling with Medical Bills? Call Tate Law Firm PLLC Today!
If you’re facing medical expenses after a car accident in Tulsa, we can help. Call Tate Law Firm PLLC at 918-805-3955 for a free consultation today.
Tulsa rear-end collisions aren’t always the rear driver’s fault. Discover how Oklahoma’s shared fault laws may affect your injury claim.
Discover how to recover damages in Tulsa if you're hit by an uninsured driver. Learn about UM/UIM coverage and Oklahoma legal options.
Rear-end collisions in Tulsa can lead to serious injuries and long-term effects—often more than drivers expect. Learn about your legal rights, how to handle insurance, and when to contact a personal injury lawyer.
In a Tulsa pedestrian accident? Discover who’s liable for your injuries, how to pursue compensation, and the role of personal injury lawyers in your case.
Injured by a distracted driver in Tulsa? Learn how to prove fault and recover maximum compensation. Call Tate Law Firm PLLC at 918-805-3955 today!
Injured in a Tulsa hit-and-run accident? Learn your legal rights and how to get compensation, even if the driver is never found. Call 918-805-3955 today!
Struggling to prove fault after a Tulsa car accident? Learn how to gather strong evidence and secure maximum compensation. Call 918-805-3955 for legal help!
Injured in a slip and fall accident in Tulsa? Find out who is responsible under Oklahoma premises liability laws and how to claim compensation. Call Tate Law Firm PLLC at 918-805-3955 for a free consultation!
Need to prove your personal injury claim in Tulsa? Learn what evidence matters most—medical records, witness statements, and more! Call Tate Law Firm PLLC at 918-805-3955 for expert legal guidance!
Hit by a drunk driver in Tulsa? Learn about Oklahoma’s DUI laws, dram shop liability, and how to recover compensation for injuries. Get legal help from Tate Law Firm PLLC – Call 918-805-3955 today!
