Being injured because of someone else’s negligence is a very unfortunate event in people’s lives. Most people don’t have thousands of dollars set aside to pay for unexpected doctor and hospital bills. Luckily, most people carry vehicle and homeowner’s insurance. Missouri and Illinois state law require all drivers to carry a minimum amount of insurance in order to obtain registration for their vehicle. Unfortunately, sometimes people let their insurance lapse and are therefore uninsured. Even then, you may still be entitled to recover from your own insurance company.
Of course, if you are among the fortunate who have health insurance, using your health insurance is almost always the first, most obvious and easiest way to get your medical bills paid. You should almost always use your health insurance if you have it to get your medical bills taken care of. Those medical bills then form the basis of your economic damages to be claimed both against your own automobile insurance company (if you have that type of coverage), as well as for the case against the person responsible for your injuries.