Generally the other driver’s insurance company does not pay these expenses.  The typical process is that a demand is submitted to the insurance company once you have completed all of your medical treatment and an accurate tally can be made of your medical expenses, lost wages and other costs along with the medical evaluation of what if any future problems you will likely have as a result of the collision.  An extensive negotiation process often takes place and either a fair and reasonable offer is finally made or if it is not, a lawsuit is filed against the other driver. 

This process will often take years.  As a result, it is important to benefit from protections including insurance policies, health insurance, sick leave and disability leave to assist you in reaching the point where the case can be settled.  The complex interplay of these many policies and provisions requires the input of lawyers experience in dealing with such cases.