How to Make Sure Your Medical Bills are Covered After a Car Accident

Car accidents are stressful and traumatic. In addition to having your car damaged or totaled, you may also face extensive medical costs if you were injured in the crash. The last thing you want to worry about is whether you’ll have to foot the bill yourself. Learn what types of insurance coverage pay for medical bills after a car accident and when your claim might be denied.

Does Bodily Injury Liability Cover Medical Bills?

In Georgia, the minimum bodily injury liability coverage is $25,000 per person and $50,000 per accident. If you were at fault, your bodily injury coverage pays the medical bills, lost wages, and funeral costs of the other driver and their passengers. If the other driver was at fault, their bodily injury coverage should cover you and your passengers’ medical expenses, lost wages, and funeral costs—assuming the at-fault driver is adequately insured.

Uninsured Motorist (UM) Coverage Pays for Car Accident Medical Bills

If you or your passengers are injured in a wreck, and the other driver is uninsured or underinsured, UM coverage picks up the slack. This insurance covers lost wages, medical bills, pain and suffering, and other damages based on the at-fault party’s insufficient coverage and your policy limits.

Medical Payments (MedPay) Cover Car Accident Medical Bills

MedPay is an extension of your car insurance that covers injuries in your own car, as a passenger in someone else’s car, or as a pedestrian, regardless of fault. It’s not as comprehensive as PIP, covering only medical and funeral expenses, but it’s often cheaper and doesn’t have a deductible, while PIP sometimes does.

Does Health Insurance Pay for Car Accident Injuries?

Depending on your insurance provider, the type of policy you have, and the circumstances surrounding the collision, your health insurance might cover medical claims after you have exhausted your MedPay and PIP policy limits. However, if you lack medical coverage on your auto policy, don’t count on health insurance to cover medical costs after a car accident.

Exclusions that Could Void Your Car Insurance Claim

Even if you have the proper coverage, your auto insurance provider may refuse to pay your medical bills if the factors leading to your injuries are excluded. Here are some common exclusions that could void your car insurance claim:

• An unapproved driver took the wheel
• You were doing something illegal when the accident occurred
• You failed to report the accident or seek medical attention in time

If you’re tired of jumping through hoops to get your medical bills covered, turn to the car accident attorneys at Taps & Associates for help. We provide personal attention to every client we work with, offering professional advice based on our extensive experience. We’ll work to get you the compensation you deserve so you can focus on recovering, not paying expensive medical bills. To request your free case evaluation, please contact us online or call 404-492-8746.