Getting medical claims paid regarding your Georgia personal injury accident can be complex because you may be covered under your health insurance policy, your automobile insurance policy, by the insurance company for the driver of the car that caused your injuries or Medicare if you are a senior. Obtaining the assistance of a knowledgeable Georgia personal injury attorney is recommended to help you sort through all the insurance coverage you have in order to determine the deductibles and amounts of coverage. The attorney will be able to help you negotiate a settlement with the insurance company or represent you in court in a personal injury lawsuit.
Your attorney can notify your medical providers of the status of your case and try and get them to hold off sending the bills to collection until your case is settled. Otherwise, you may need to pay some or all of the medical bills out of your own pocket if you do not have health insurance. Typically, the automobile insurance companies don’t pay medical claims until you have settled the case with them. If your case goes to trial, you may also receive reimbursement for medical costs from a jury award in your favor.
If you have health care coverage, then you can have your doctors and other healthcare providers submit the bills to your health insurance company. However, they will probably require that you reimburse them for the costs once your case is settled. Your attorney can handle a subrogation or reimbursement claim for your health insurance company once your case is settled to reimburse your health insurer for the medical costs incurred by you in connection with your personal injuries.
Keep in mind that your health insurance coverage only covers persons that are part of the plan and not passengers in your car, unless the passengers happen to be family members who are part of your health insurance plan. However, medical coverage under your automobile insurance policy covers you and your passengers no matter who was at fault. It also covers the other driver and their passengers when you are at fault as well as your medical bills if you are hit by a car as a pedestrian.
Your attorney will advise you of the best way to handle the payment of your medical claims. You should keep copies of all the bills and records of loss of wages and loss of income so that you can submit them to your attorney when it comes time to settle the case. All these costs are calculated into the amount of your claim that you are seeking against the insurance company as well as future medical care and your pain and suffering.
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