Who pays for my medical treatment if I was in a car accident in South Carolina?
South Carolina is an at-fault car insurance State. What this means is that the insurance company for the driver that was at fault for the accident is responsible for the other party’s damages. Thus, you are responsible for the immediate costs of your medical bills until you prove who was at fault for the motor vehicle accident.
In South Carolina you must prove that the other driver was at fault or mostly at fault for the accident. South Carolina follows a modified comparative negligence rule. This rule states that the plaintiff can only recover money for their accident if they are less than 51 percent responsible for their accident.
The minimum insurance coverage required by law in South Carolina is $25,000 for bodily injury per person, $50,000 for bodily injury for two or more people and $25,000 for property damage per accident. In many states insurance policies require personal injury protection (“PIP”) coverage. South Carolina does not make it mandatory for your insurance to have PIP coverage, however you may have purchased such coverage as an add on to your policy. PIP coverage provides money for medical bills, lost wages and other costs resulting from your injuries. PIP coverage pays for these expenses regardless of who is at fault for the accident. It is important to hire an attorney to help you better understand these matters
If it turns out you do not have PIP coverage you can turn to your own health insurance to help pay for your medical bills. You may have private health insurance or employer-provided insurance. However, your health insurance has the right to be reimbursed for your medical treatment. If you have a lawsuit and you win your case your health insurance company has the right to subrogate your lien. Some healthcare providers may agree to treat you on medical lien. If they agree to do this they will continue to treat you and then they will also be repaid out of your settlement. Your doctors may also try to negotiate a payment plan for you.
That is why it is important to have your lawyer work with you so you can receive proper medical treatment in order to increase the value of your case.
Unfortunately, insurance claims and lawsuits take time. You have three years in the state of South Carolina to file your personal injury claim. While you are waiting to be compensated for your accident it is very easy to fall behind on your bills that don’t quit. That is why Bridgeway Legal Funding is here to help. Bridgeway Legal Funding can help you get the money you need today and you only have to pay it back if you win your case. Talk a Bridgeway team member today and you could have the money you need to stay afloat within 24 hours.
