In Georgia, getting hurt in a car accident can be terrifying. It might also be expensive. There is a strong likelihood that any injuries you get in an accident would necessitate expensive medical care. Even worse, you might not have the money to pay for it.
Fortunately, you might not be ultimately responsible for paying for your medical costs. It may be necessary to use another party’s insurance to cover them. Additionally, you want to contact an experienced attorney at wfirm.com to analyse your case.
A lawyer can be useful in the following situations:
- doing a research project
- accumulating proof of negligence
- submitting a claim
- managing all communication with the insurance provider
- Negotiating a just price for your services
Typically, other drivers are the careless parties in auto accidents. There are, however, certain exceptions.
There are numerous causes of auto accidents. They frequently take place as a result of careless driving.
Here are some instances of careless driving:
- impaired driving
- ignoring a right-of-way request
- With the proliferation of smartphones, distracted driving is a problem that needs to be addressed
- sleepy driving,
- reckless driving
Georgia has an at-fault insurance system. In jurisdictions where someone else was at blame for the collision, victims of auto accidents have the right to make claims or bring legal action against the responsible party. They often submit their claim to the at-fault party’s insurance company in order to be compensated for medical expenses and other losses, such as missed earnings.
Making a claim does not ensure payment. To obtain compensation, you must present proof that another person was careless. Insurance will probably undervalue or reject your claim if you cannot present sufficient documentation.
It’s crucial to understand what to do as soon as a car accident occurs for this reason. They consist of:
- examining you and your passengers for any wounds
- relocating to a secure area away from traffic
- checking calmly on the other drivers involved in the collision
- sharing insurance and contact details
- making a call to the police to report the collision
- avoiding saying anything that could be taken as an admission of guilt
- capturing images of the incident and your wounds
- Obtaining the names and numbers of any witnesses
- visiting a physician right away
Theoretically, your or the at-fault driver’s vehicle insurance should pay for your medical bills as you recuperate and pursue a resolution to your claim. However, this is not how things typically pan out in Georgia following a car accident.
Every individual wounded in a vehicle accident must pay for their own medical costs up front in our state. The at-fault driver’s insurance provider often doesn’t cover your medical costs as you receive treatment; instead, they only provide a one-time payment after your case is resolved. When your case is resolved, you will be required to sign a settlement release in order to receive full compensation for all of your losses, including any associated medical expenses.
In the event that you are lucky enough to have health insurance, your insurer will cover the cost of your care while you are recovering. Alternatively, if you have medical payments coverage (MPC), this can pay for some of your expenses when you get them. However, what happens if you don’t have health insurance? While some clinics and medical professionals might be eager to bill you right away, others could be ready to treat you on a lien (a commitment to pay once your case is resolved). Finding a physician or medical facility that will treat you on a lien while you heal is frequently made easier with the assistance of good personal accident lawyers.
Ambulance services, hospitals, and physicians must bill your health insurance plan if you have medical insurance. Unless you agree to a personal invoice, they will. Your health insurance provider may get reimbursement from the settlement for the services that were paid for upfront in some, but not all, circumstances after your case is settled.
You can apply your medical payments coverage (MPC) directly to hospital and ambulance expenses as soon as they begin to arrive if you have medical payments coverage (MPC) on your Georgia auto insurance policy. However, MPC only typically pays a set sum in Georgia. Only the MPC that you bought will be available in this. We have witnessed medical payment overages as high as $50,000 or more, while this amount is often $5,000 or $10,000. Ensure that you are aware of the MPC coverage included in your vehicle insurance policy.
In cases when you have both medical insurance and the MPC, the MPC can be utilised first to cover its full amount. Then, it should be your health insurance policy’s turn. However, in the end, you will be held accountable for all medical expenses.
There are some individuals who have expressed concern that they may not be able to utilise their own health insurance to cover the costs of treatment following an accident because they believe “it was not my fault.” This is not always the best course of action.
The most fundamental reason to take advantage of your medical insurance is so that you do not have to pay for your medical costs using money that you have saved or out of your own pocket. Another issue is that if you acquire your medical treatment through an attorney’s lien, you frequently wind up having to pay back more money than you would have paid if you had used your health insurance instead. When the matter is resolved, you will have the option of keeping this money for yourself.