After a motor vehicle accident, you might find yourself in a whirlwind of panic – especially if you do not have health insurance.
Without health insurance, you might wonder how you will pay for the medical costs. You know that eventually, you will receive compensation from a lawsuit or insurance claim with the at-fault party, but that could take months. The issue right now is receiving help with your medical bills that are piling up fast – and paying medical providers who don’t care that you do not have your settlement yet.
Sadly, the law doesn’t work the way many consumers think.
If you are in an accident, even if it was someone else’s fault, you are still legally required to pay the medical costs as they happen. The law does not require that the at-fault party pay your bills as they arise.
Instead, the law requires that the at-fault party pay you damages to resolve your lawsuit, and those damages are what you will use to repay yourself or pay outstanding costs.
What Happens if You Have No Insurance?
If you do not have medical insurance, and you were injured in an accident, you may have a few options that will get you by while you wait for your compensation.
- Personal Injury Protection Insurance (PIP) – If you purchased personal injury protection with your automobile insurance, then you may have coverage for medical costs. Sadly, it is unlikely you would have this coverage in Georgia because the state does not require it. Typically, only states with no-fault accident policies require PIP coverage.
- Medical Payment Coverage – Within your automobile insurance policy you may have medical payment or med pay coverage. If you have med pay, then it will pay for your injuries up to your policy limits. Typically, the policy limits for this coverage is limited and might not be more than $10,000. But it is certainly better than nothing and should help you offset some of the immediate costs.
- Medicaid – Medicaid is a health insurance program offered by the federal government. If you were in an accident and you lost your job or health insurance, as a result, you might qualify for Medicaid. The process of receiving Medicaid, however, is very complicated and not everyone qualifies. Therefore, you would need to work with the state’s Medicaid office to find out if you are eligible.
- Payment Arrangements – In most cases, if you have a pending personal injury claim, you can work with your physician, the hospital, or other healthcare provider to establish a repayment plan. Some providers will agree to wait on collections until you have received your settlement, but that might mean they file a lien against your compensation. That means that your personal injury lawyer legally must satisfy that debt before he or she can distribute any payment to you.
Your Savannah Injury Lawyer Can Help Too
Regardless of the health insurance and payment situation, after an accident, if you have difficulty paying for necessary medical treatments, you need a Georgia personal injury attorney.
Attorney Clarke Nash can help. He will not only negotiate with medical providers to secure care, but also ensure that insurance companies compensate you for the pain, suffering, and extensive costs of your medical care.
Get started by scheduling a no-obligation consultation with him today at 912-200-5292, or request more information online.