Thank you; the statute of limitations for an oral account is 3 years from the date of last payment or charge; for written contracts it is 5 years.
However there is also an equitable concept called laches- basically it allows the court to bar a claim when the court feels that proper steps have not been taken- the court feels that it would be unfair to allow collections. So for example, if there was no communication between the provider and the patient regarding a bill from 3.5 years ago, the court may very well deem that laches bars collection. It is impossible to determine since, it is an equitable theory, so it is left to each judge's personal judgment (versus a definitive time line like the statute of limitations).
some insurance policies and contracts between providers put the responsiblity of submitting bills to insurance directly on the medical provider- so that can be reviewed to see if it applies, in which case the medical provider would bear the loss.
If a written settlement released all other claims as to the insurance/driver, then unfortunately that would bar additional claims.
So one would be legally liable unless the judge applied laches.
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Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.