If you have been injured in a car accident, you should be able to focus entirely on your recovery. Unfortunately, the high medical expenses you may have incurred can put financial considerations at the top of your mind. Logistical issues such as who owes what to whom and when they will pay can take top priority.
At The Angell Law Firm, LLC, we understand the critical importance of knowing how your medical expenses will be covered during this critical time. To help you better understand your own situation, we have provided this quick guide to who pays medical expenses after a car accident.
The At-Fault Driver is Ultimately Responsible for the Bills
Georgia is a “fault” car insurance state. That means that the driver who caused an accident is liable for any medical or property damage costs incurred by all involved parties. This contrasts with “no-fault” insurance states, where claimants must exhaust their own insurance payments before seeking compensation from other involved parties.
If you have been injured in a car accident, Georgia law gives you a number of options to seek compensation from the responsible party. First, you may file a claim with your own insurance company. The insurance company will then attempt to seek compensation from the other driver. In other cases, it can make more sense to directly pursue your claim with the other driver’s insurance company. Finally, you can work with a lawyer to file a personal injury lawsuit against the responsible driver.
The best options will differ from case to case and depend upon a range of factors, such as your ability to obtain a timely settlement and the relative evidence proving your claim. It can help to consult with an attorney about the best course to take to get your medical bills covered.
You May Need to Pay While Your Case Works through the System
If you lack sufficient medical coverage in your car insurance and medical insurance policies, you may be liable for immediate medical costs incurred. Though the at-fault driver is ultimately responsible for compensating you for medical expenses, you must settle your case or obtain court ordered payment before you will be compensated. In the meantime, you may still need to bear any ongoing expenses on your own.
With multiple insurance companies and third parties involved, sorting through these details can become very complicated. Working with an attorney, you can analyze the terms of your own insurance policies and the likelihood that you will obtain an efficient resolution to your case. This will, in turn, help you adequately plan for your own medical expenses. Injured car accident victims are sometimes able to work out manageable payment plans with hospitals while they pursue their cases.
Seek Help From an Experienced Atlanta Car Accident Attorney
Medical expenses resulting from a car accident can impact your life and finances for a lifetime. To obtain the timely compensation you deserve, contact the Atlanta car accident attorneys at The Angell Law Firm,. Call (770) 217-4954 today for a free consultation.