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How Do You Collect Payment for Medical Bills After an Accident in Georgia?
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How Do You Collect Payment for Medical Bills After an Accident in Georgia?

Medical bills can be very expensive, especially with rising medical care costs. Even if you have health insurance, you might need help collecting payments for medical bills from the people responsible for your accident.

Injured drivers often file insurance claims to pay for medical expenses and other damages. While this is usually the first course of action in car accident cases, it does not always work out the way we hope. In that case, we can help you file a lawsuit against the other driver to make them pay for your medical bills. Alternatively, we can help you work out a settlement agreement with the defendant to cover your medical bills. In any of these situations, you must have evidence to support your claims, and our legal team can help you gather what you need. You can even collect payments for medical bills if you have health insurance, as many health insurance policies do not cover 100% of medical costs.

You should not have to endure the burden of high medical bills after living through a painful accident. Our Georgia car accident lawyers can help you collect payments for medical bills from the other driver. For a free case review, call the Macon, GA personal injury lawyers Howe Law at (844) 876-4357.

How Do I Get Payments for Medical Bills After an Accident in Georgia?

Depending on your situation, you might have multiple legal options for paying your medical bills after an accident. Our Macon car accident lawyers can review your options to determine which is best for your case. Keep in mind that you might have to try several methods before you can collect payment.

File an Insurance Claim

In Georgia, all drivers are required by law to carry a certain level of auto insurance. At a minimum, drivers must have at least $25,000 of coverage for bodily injuries per person and $50,000 for bodily injuries per accident. Also, they must have a minimum of $25,000 of coverage for property damage. This liability insurance is designed to protect drivers when they cause accidents and need to pay for damages.

Georgia is a fault-based insurance state, meaning drivers must file third-party claims with the other driver’s insurance and prove fault before they can be paid. If the insurance company approves your claim, your medical bills are paid from the other driver’s liability insurance.

It is important to note that filing an insurance claim can help you cover your medical expenses, but you might be restricted from claiming other types of damages. For example, if your accident was traumatic and you deeply suffered physically and emotionally, you might not be able to claim damages for pain and suffering in an insurance claim.

File a Personal Injury Lawsuit

Injured drivers often turn to lawsuits when their insurance claims do not work out. Perhaps the insurance company denied your claims or offered an insufficient settlement. Maybe you have damages you need to be paid beyond your medical bills. Our Atlanta car accident lawyers can help you file a personal injury to pay for your medical expenses in addition to various other damages.

Filing a lawsuit can be a very in-depth and legally complicated process. When we file your lawsuit, we must include important information about the accident and the damages you want covered, including medical bills. A trial might take some time to complete, and you might not get compensation for your medical bills until months after the accident, possibly longer.

While filing a lawsuit tends to be intense and time-consuming, the payoff can be significant. You can claim damages for medical bills, your damaged vehicle, lost wages from missing work, pain and suffering, humiliation, reputational damage, and more.

Negotiate a Settlement

While the benefits of a lawsuit can be hard to ignore, many people cannot wait to collect payment for medical bills. In that case, our Gulfport car accident lawyers can help you negotiate a settlement with the defendant. Settlements are very common, and most civil lawsuits end in settlement agreements. In a settlement, the defendant agrees to pay for some of your damages, and you agree to drop the lawsuit. Both parties save time and money by avoiding a trial.

How much compensation you get from a settlement depends on how we negotiate the deal. Stronger evidence and a higher likelihood of trial success might pressure the defendant to pay most of your damages, including medical bills.

How to Prove Your Claims for Payment for Medical Bills in Georgia

Evidence is of the utmost importance in any of the scenarios mentioned above. You cannot collect payment for medical bills after an accident if you do not have evidence to prove that the other driver caused the accident. Our Valdosta car accident lawyers can help you find and gather the evidence you need to prove your claims and pay your medical expenses.

Evidence can include almost anything as long as it is relevant to your case, tends to show that the other driver caused the accident, and satisfies any evidentiary rules or laws. The evidence you can use might vary based on how you want to collect payment. For example, while insurance companies often demand to see police reports about accidents, police reports are considered inadmissible hearsay in court and cannot be used as evidence in a lawsuit.

Can I Collect Payments for Medical Bills After an Accident if I Have Health Insurance in Georgia?

People often depend on health insurance to cover medical expenses, and many people are insured through their jobs or by buying health insurance on their own. Although health insurance can make medical treatment much easier to pay for, it does not usually cover all of a person’s medical bills. Even with health insurance, you can still take legal action to collect payment for medical bills, and our Alpharetta car accident attorneys can help you.

Health insurance often kicks in only after you pay a deductible. Depending on your health insurance policy, your deductible might be very high. Even with health insurance, people commonly spend hundreds or even thousands of dollars on health care after accidents. In such cases, they can take legal action against the person who caused the accident and collect payment for their medical expenses.

Call Our Georgia Car Accident Lawyers for Help and a Free Case Review

If you were in a car accident and now have unpaid medical bills you cannot afford to cover, our Biloxi car accident lawyers can help you take action. For a free case assessment, call the Marietta car accident lawyers Howe Law at (844) 876-4357.