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Medical Insurance and Car Accident Claims

When you are hurt in a car accident, you need medical care immediately. You can’t wait until the insurance company pays you for treatment. It is important that you get the medical care you need following the accident. However, it can create a complex situation regarding your legal claim. It is necessary to keep track of all your doctor and hospital visits and everything that you or your own insurance company pays for throughout the process.

Utilizing Your Own Insurance

You have your own medical insurance policy that protects you and gives you the care you need for any type of injury. It is common for you to use your own insurance coverage when you visit the doctor following a car accident. You will be required to pay the deductible for your insurance. Keep a record of the deductible you paid, when you paid, it and to whom.

Personal Injury Protection (PIP)

Some states require drivers to include personal injury protection (PIP) or medical payments coverage (medpay) as part of their vehicle insurance coverage. Georgia is not one of those states. Therefore, you may not have PIP as part of your vehicle policy. However, you may have added PIP to your policy. If so, this insurance will be able to cover your medical expenses following an accident, even if the accident was someone else’s fault. Once your car insurance medical limits are reached, you will need to pay for your medical expenses through other means.

Repayment of Medical Insurance in Georgia

Georgia law (O.C.G.A. §§ 44-14-470-476) allows for insurance companies to be reimbursed for any medical costs if you receive compensation through a claim. This can limit the amount of money that you could get from your claim. For example, if your medical insurance covered medical costs of $100,000, they could file a lien that allows them to receive payment in this amount from you if you collect in a lawsuit.

What if You Don’t Have Medical Insurance?

If you don’t have medical insurance, you could be facing a difficult financial situation. You certainly can’t wait until you get paid from the insurance company to seek medical treatment. You will likely need to pay for the medical costs out-of-pocket. Some medical facilities will work with you to set up a payment plan. Sometimes the costs for treatment can be extremely high, especially in cases where the injuries are life-threatening or disabling. Keep in mind that you will be able to recover these expenses once the case has been settled and the negligent party has been brought to justice.

Car accident cases are very complicated. As you can see, medical treatment can cause concerns for your personal injury case. It is best to discuss these issues with a skilled Atlanta personal injury attorney at the onset. Your attorney will review the case and help provide you with the best options. Each case is unique and therefore you cannot compare your case to others. Call Bader Scott Injury Lawyers for a consultation to discuss the details of your case today.

Seth Bader is an Auto accident, Workers Compensation and Personal Injury Attorney who practices in Atlanta, Rome, Savannah, Norcross, Carrollton, Georgia. He graduated from Florida State University College of Law, and has been practicing law for 14 years. Seth Bader believes in fighting for the injured. Learn more about his experience by clicking here.

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