There is no hard and fast rule when it comes to how medical expenses are covered in a Personal Injury case. Typically, the insurance company who insures the person at fault for causing the personal injuries will not pay your medical bills. If you have health insurance, you are expected to use your own insurance for your medical treatment. If you do not have health insurance or need to see a doctor who does not take your health insurance, that does not mean you will be unable to obtain medical treatment for your injuries. In either of those situations, your personal injury attorney can refer you to doctors, physical therapists, chiropractors and the like for medical treatment and would provide such health care providers with a letter of protection agreeing to pay out of the settlement proceeds of your claim.
Sometimes people have medical payment coverage as part of their automobile policy but often, they are unaware they have such coverage. If you have this type of coverage on your automobile insurance policy, then that is primary insurance which would be used even before your own personal health insurance policy you may have. Often, such coverages are capped and limited but this information is contained in your insurance policy and can be easily found.
Consulting with an attorney will often answer many of the questions you have about who will pay your medical bills so it is very important to consult with an attorney quickly after an accident so you know and understand your rights as well as who may be responsible for your medical bills.