One common question people hurt in car accidents ask is, “Does health insurance cover car accident injuries?” The short answer is yes, but what your insurer will pay for, when their coverage kicks in, and whether the health insurance company will seek reimbursement, depends on the specific facts of your case.
Make sure you talk to our South Carolina car accident lawyers if you have any questions about health insurance and personal injuries from crashes.
Who Pays for Medical Bills After a Car Accident in South Carolina?
In South Carolina, whoever caused a collision is liable for the resulting injuries. So, if you sustained injuries in an accident that another driver caused, they are responsible for your medical treatment.
It may take some time for you to prove that another driver or someone else caused a car accident. While your legal case plays out, you may need to rely on your health insurance coverage or pay out of pocket for your medical bills. You and your health insurer can seek reimbursement from the liable party once you win your personal injury claim.
Does My Health Insurance Cover Injuries from a Car Wreck?
Your health insurance should cover your injuries from a car accident. However, every health insurance policy is different. You might need to pay out-of-pocket for certain expenses or meet a deductible before your insurance kicks in. Review your health insurance policy carefully to see what it does and does not cover.
You may have other options to cover your medical bills after a collision. For instance, if you have medical payments (MedPay) coverage through your auto insurance company, it can pay for your medical expenses up to the policy limits, no matter who caused the crash. MedPay coverage is typically a worthwhile add-on to your policy.
How Personal Injury Lawyers Handle Car Accident-Related Medical Expenses
Medical bills from a car accident can cause significant financial stress. Your personal injury lawyer’s job is to help you seek fair compensation from the at-fault parties. Attorneys usually start by collecting your medical bills to demonstrate how much you have paid. Eligible medical expenses in a car accident claim include the following examples:
- The cost of hospital stays
- Prescription drugs
- Ambulance rides
- Doctor’s visits
- Physical therapy
They might also collect your medical records to show how they are linked to the collision. From there, your lawyer will either negotiate with the other driver’s insurer or take your case to trial to help you pursue fair compensation.
Schedule a Free Consultation with a South Carolina Car Accident Lawyer
Jebaily Law Firm has over 50 years of experience protecting the rights of injured people in South Carolina. We know you are hurting and feeling financial pressure. We want to make the legal process as painless as possible. While you focus on healing, we can collect your medical records and other evidence, determine who is liable for your injuries, handle settlement negotiations, and file a lawsuit if necessary.
Call now or complete our contact form to get started with a free consultation. You pay us nothing unless we recover compensation for you.
