Something happened — what do I do? Tell us what happened. We'll show you what to say at the ER, what to bring, what to keep, and who might be responsible for the bill.
If this is an emergency, or anyone is seriously hurt, call 911 first. This page will still be here.
Which state did this happen in? Insurance and workers' compensation rules are set state by state, so we ask before showing coverage guidance.
Select a state or territory Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming American Samoa Guam Northern Mariana Islands Puerto Rico U.S. Virgin Islands What happened? Work-related injuries are usually billed to workers' compensation, not your health plan. Crash injuries can involve several policies at once. Find them before you pay anything. I was hit by a vehicle Pedestrians and cyclists often have more coverage than they expect — including their own auto policy. Passengers rarely pay their own crash bills. Several policies may apply at once. Rideshare trips have their own commercial coverage. The trip receipt is your key document. State victim compensation programs can help with medical, mental-health, and some wage costs. Here is exactly what to say and what to leave with, before you are discharged. Before you pay, check whether the bill was routed to the right payer. Start here. A few questions narrow down which policies to investigate. The Murray Standard is educational. This is not legal advice, a coverage determination, or a claim decision. Coverage depends on the facts, the policies involved, and the law of your state — we help you identify what to investigate and what to ask.
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