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Who Pays for Your Medical Bills After a Georgia Auto Accident?

Auto Accident medical bills

A car accident is traumatic in many ways. For many victims, their finances suffer the most. From medical bills and vehicle repairs to unexpected time away from work, it’s no surprise that some are left with no way to cover their expenses. If you’ve been involved in an Atlanta car accident and you’re wondering how to cover your medical bills, it may be time to talk to an attorney and explore your options.

The team at The Stein Firm can help you fight for the compensation you’re owed after a crash. Give us a call at 855-589-0433 to set up a time to talk about your next steps.

 

Georgia’s Auto Accident Fault System

Like most other states, Georgia has a fault-based system when it comes to car accidents. This means that the party who causes the accident is liable for the expenses arising from that crash. For example, if you’re stopped at a stoplight and someone runs into the back of your car while texting, they are expected to cover your car repairs, medical expenses, and other crash-related losses. In this situation, their negligence is obvious.

This doesn’t mean that the at-fault party actually empties their bank account paying for damages. In fact, their insurance company comes through and pays. The at-fault party then has their insurance premiums increased to make up for the accident they caused.

How does this help you? It means that when someone else is to blame for your accident, you may be able to limit your own losses by taking legal action against them.

 

Finding the At-Fault Party and Pursuing Compensation

To do this, you’ll need to determine liability and fight for compensation. Determining liability is very easy in some cases and very challenging in others. In the example from earlier, it’s fairly easy to see that the rear driver is to blame for the crash. But in a multi-car pileup, for example, figuring out the liable party is much more challenging. That’s why it helps to talk to an Auto Accident Medical Bills Atlanta car accident attorney about your options.

Once your attorney has figured out who’s liable for your accident, they can move forward with seeking compensation. This involves gathering evidence from the crash, your medical care, and your other financial and non-financial losses. They will then use that evidence to demand full and fair compensation from the insurance company. How much the insurance company actually offers or is capable of paying depends on the type of coverage the individual has, what types of coverage they have, and how flexible the insurance company is with regards to negotiations. If the insurance company refuses to offer a fair settlement despite your attorney’s evidence, you may need to move forward with a lawsuit.

 

What If the Driver is Uninsured?

What if the driver you hit is uninsured or has such minimal coverage that it’s essentially useless to you? This puts you in a tough position. While drivers do legally have to carry car insurance, there are those who try to save a few bucks by not carrying insurance. When they cause an accident, the injured victims can’t go after their insurance company for the money. This often means that they end up paying out-of-pocket for their own losses—even though someone else is to blame.

However, you may have uninsured/underinsured motorist coverage as part of your insurance plan. This covers your medical expenses and property damage when an uninsured driver hits you. It does cost extra, but can save you a lot of money if you end up in this position.

Of course, you always have the option to file a lawsuit against the other driver. They are still liable for your losses, even if they don’t have insurance. You do have to consider the practicality of this; if someone doesn’t carry car insurance because of the cost, it’s unlikely that they’ll have the money needed to pay damages out-of-pocket.

 

Fighting for Compensation After a Crash? Call The Stein Firm

If you’ve been injured in a car crash and you’re not sure of your next steps, we’re here to help. Call The Stein Firm to set up a consultation with our personal injury attorneys. Call us at 855-589-0433 or reach out online.

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