Por: Stewart Law Offices / Public reports
Getting your medical bills paid is a priority after a car accident in South Carolina. But if you’re like most people, then you’re probably not sure who pays first: the auto insurer or your health insurance provider.
It’s a good question that may have somewhat different answers, depending on your own insurance coverage and whether the at-fault driver has insurance. The experienced South Carolina Car Accident Lawyers at Stewart Law Offices can determine the best way to proceed with your claim in a free consultation.
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Will health insurance cover my injuries after an accident?
Your health insurance coverage can pay for your car accident injuries, no matter how they occurred. What usually happens is that your health insurance company will first ask you to pay the usual co-pays and deductibles, and then they will pay their share according to the terms of your policy.
You should turn to your health insurance first to pay your expenses in a car accident. Getting a settlement through the at-fault driver’s insurance company takes time, and getting the necessary treatment when you need it should always be a priority. Keeping all receipts and medical records can show the auto insurer what was paid during this period. The health insurance provider may be allowed to recover any payments they made through a process called subrogation later.
Health Insurance vs. Car insurance
Your health insurance policy will pay for your medical expenses after a crash, but those aren’t the only types of losses you can be compensated for after a car accident. In addition to medical expenses, auto insurers provide accident victims with compensation for:
- Lost wages
- Lost earning capacity
- Long-term care needs, such as full-time nurses or home health aides
- Mental anguish
- Pain and suffering
- Permanent disability
- Loss of enjoyment of life
An adjuster from the at-fault driver’s company will investigate the accident and make a settlement offer taking these factors into account, along with your medical expenses. This offer is usually well below what you deserve. A knowledgeable attorney from Stewart Law Offices can represent you during these negotiations so that you are not harmed.
If you were hit by an uninsured driver, you may need to turn to your own auto insurance coverage to cover your losses.
Purchasing uninsured motorist coverage is mandatory in South Carolina. Underinsured motorist coverage (to protect you if the at-fault driver did not have enough insurance to cover your injuries) is not required, but is highly recommended.
Medicare and Medicaid after an accident
After a car accident, Medicare and Medicaid coverage can be used to pay your medical bills. However, you must report the accident to the Centers for Medicare and Medicaid Services. The attorneys at Stewart Law Offices They can take care of this for you.
Later, Medicare or Medicaid will place a lien on the amount they paid. This levy will ensure that the government can receive reimbursement for the money they spent to cover your medical treatment after the car accident. An advantage of having your car accident attorney file the report for you is that he or she may be able to reduce costs by negotiating the amount of the lien.
Case results vary. Prior results do not guarantee any future outcomes. After recovery is made, attorney fees will be computed before deduction of incurred expenses. Brent P Stewart, licensed in SC & WV. Primary Office: 1242 Ebenezer Rd., Rock Hill, SC 29732 Marcus Spake, licensed in NC. Primary Office: 2427 Tuckaseegee Rd., Charlotte, NC 28208
2023-12-12 17:58:44
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