Health insurance typically covers medical bills you incur due to a car accident in Georgia, but there are some important things to understand about how this works:
Health Insurance Coverage
Your health insurance will generally pay for your medical treatment after a car accident according to the terms of your policy. This applies regardless of who was at fault for the accident. Using your health insurance has some key benefits:
- It allows you to get prompt medical care; and
- You get the advantage of the rates your health insurer pays for medical treatment
However, your health insurer may seek reimbursement later if you receive a settlement or judgment against the at-fault driver. This is known as subrogation
Subrogation and Liens
If your health insurance paid for your treatment, they may place a lien on your settlement to recover those costs. Government programs like Medicare and Medicaid can also seek reimbursement. These liens are often negotiable. An experienced personal injury attorney can often reduce the amount you have to repay, allowing you to keep more of your recovery.
Working with an Attorney
Given the complexities around medical bills, insurance, and settlements, it’s generally advisable to consult with a Georgia personal injury attorney after a serious accident. They can help you:
- Understand your coverage and options for paying medical bills;
- Negotiate with health insurers and lienholders;
- Pursue full compensation for all accident-related expenses; and
- Maximize the portion of your settlement you get to keep
By navigating these issues strategically, you can focus on your recovery while ensuring you receive fair compensation for your injuries.