Why are you here?
An accident can be something tragic.
If there is also the need to pay for medical bills, it can be hard to fully recover both in health and economic terms.
When the accident is caused by someone else's irresponsibility or carelessness, it would be fair that this person assums the expenses related to the accident.
Involved parties interests can make hard to get to a resolution. The responsible for the accident may try to evade the guilt, and try to get insurances companies support their stance in order to invalidate your arguments and absolve themselves from their obligations.
Tell us about your case.