Who pays my medical bills after I'm injured in a car accident? (Georgia)

Georgia is an “at fault” insurance state.  This means that whoever caused the accident is labile for the other person’s damages.  Thus, if you are injured in a car accident in Georgia you are responsible for the payment of your medical bills.   Either your health insurance can pay them, you can pay out of pocket, or you can wait for your settlement proceeds to pay for your medical treatment.  

When you start your medical treatment and if your provider refuses to bill your health insurance directly, you should submit the bills directly to your own insurance company.  The problem may arise that your own health insurance company will not pay your bills because your injuries were caused due to the fault of someone else.  If your health insurance does cover your bills, they may seek reimbursement from the at fault driver’s insurance. This is known as subrogation.

In some instances, if your own health insurance refuses to pay for your treatment, your doctor or healthcare provider may be willing to delay billing you.  They may even offer a payment plan while your claim is pending.   Your attorney may also work with specific medical providers who are willing to delay billing until your case is settled.

If the other driver was at-fault you may eventually get reimbursed by their auto insurance carrier.  In Georgia, in order to recover money from the other driver you must show they were at fault for causing the accident and that you suffered injuries.   However, you will not be reimbursed for your medical expenses until you have finished treatment and your case is settled.

Whether you use your personal health insurance, payment plans, your attorney’s help or have medical liens we understand this is a very stressful time in your life.   You may be missing time from work but rent, mortgages and other bills don’t stop…  Bridgeway Legal Funding can get you the emergency cash you need now and you only have to pay it back if you win your case.