<prompt> Human: She got in an accident after other person ran a stop sign, she went to the emergency room the next day because she was in pain. We live in Texas. Not sure if this is the right subreddit but Im looking for help. Also! They offered a 300 pain and suffering check and she said no shed rather them pay the bill, then they offered to increase it to 400.  <response>: The other persons insurance will not directly pay your bills. They will make an offer for the entire claim, and you pay your bills out of it. That offer will include signing a release so you cannot follow up with them for future meds, etc. The one thing they will do is pay the hospital emergency bill direct out of the settlement funds, because they have a lien against any settlement you get.Heres how it works: 7000 in medical billsThey offer 10,000 to settle this is negotiable so get as much money as you canYou sign releaseThey issue check to hospital for 6,000 and to you for 4000. The rest of your medical bills are paid out of that 4000 