If you have ever gone to an emergency room then the clerk asking you if your injury was work or accident related most likely puzzled you. This is a very common question because if you answer yes, your health insurance is not going to pay the bill. If you were in an auto crash then either your insurance or the person’s insurance you had the accident with is responsible.

If you fell at a neighbors the medical payments from his homeowners insurance pays for the injury if it was due to negligence of a defect on his property.

If your injury happened at work or was caused by your employment, then your employer’s workmen’s compensation insurance pays for your medical bills.

In addition to medical expenses, these other sources of health insurance may also pay for lost wages, disability, and ongoing therapy. If insurance from other parties does not cover all your losses, you have the right to start a lawsuit against them. However, this does not include your employer – you can appeal workers compensation decisions but you cannot sue your employer.

For more information on medical expense liability, call the Steve Wilk Insurance Agency in Lombard, Illinois. The number is (630) 620-4800.