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How to best use your health insurance to cover your medical expenses
There are some particularities related to using health insurance after an auto accident in the state of Georgia.
Firstly, Georgia is an at-fault state, which means that the driver who is found to be at fault for the accident is responsible for paying for the damages and injuries that result from the accident. If you are not at fault for the accident, you may be able to seek compensation from the at-fault driver’s insurance company, but you may need to use your own health insurance to cover your medical expenses in the meantime.
Secondly, Georgia has medical payment coverage (also know as “med pay”) which is an optional type of coverage that you can add to your auto insurance policy. Med pay coverage is designed to help cover medical expenses related to an auto accident, regardless of who is at fault for the accident. If you have med pay coverage, you can use it to cover your medical expenses after an accident, and it can help you avoid using your own health insurance.
Finally, if you do use your health insurance to cover your medical expenses after an auto accident in Georgia, your health insurance provider may have a right to recover the costs of your medical care from the at-fault driver’s insurance company. This is known as subrogation, and it allows your health insurance provider to seek reimbursement for the costs of your care from the party responsible for the accident.
It’s important to consult with an attorney who specializes in auto accident cases in Georgia to fully understand your rights and options after an accident, including how to best use your health insurance to cover your medical expenses.
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Who pays for my medical expenses in the meantime?
“If you are involved in an auto accident in Georgia and you need medical treatment, you will likely need to use your own health insurance to cover your medical expenses in the meantime,” explains Marietta Auto Accident Attorney Ramiro Rodriguez, Jr.
GA Injury Advocates understands that you may be facing financial challenges in the wake of your accident, which is why we offer a free initial case evaluation to our personal injury clients, either by phone or in person. We accept no payment until your case is settled. Request a consultation with us by calling (770) 766-0555 or by contacting us here. Hablamos español.