Who pays the medical bills after a GA car accident?Generally, when the accident is clearly someone’s fault, the police officer will give a citation or traffic ticket to that person. That person will be listed on the police report as being responsible for the accident as well. Typically, whatever insurance is on the car that the at-fault person was driving, that’s the default insurance that will be used to pay for medical bills, property damage, and other expenses incurred from the accident.

If you were not responsible for the accident, then it doesn’t make sense for you to be responsible for the medical bills and expenses. The other driver should be.

When Might You Have to Use Your Own Insurance?

Hit-and-Run: If the driver responsible leaves the scene and is not apprehended, you may have to use your own insurance. Hopefully you have uninsured motorist coverage (UM). This insurance can be a protection in this situation by paying for bills and expenses associated with your accident.

There is no insurance on the other car: Unfortunately, there are drivers who drive without insurance. In this instance, you may have to use your own insurance under the UM policy. Some people opt out of UM insurance to make their policy cheaper, but it can be financially disastrous if you don’t have UM coverage.

There is not enough insurance available: If the vehicle’s insurance has the minimum insurance coverage of $25,000, this can easily be eaten up by hospital bills, ambulance rides, x-rays, physical therapy, or chiropractic treatment. If the policy limit doesn’t cover your medical bills, you may have to use your own insurance called under-insured motorist coverage (UIM).

We know accidents are a real headache. You’ll be dealing with the insurance company, getting all bills and records documented properly, logging missed time at work, going to appointments, and more. It’s a full time job. That’s why Murphy Law Firm is here. We skillfully handle all the legal aspects of your personal injury claim while you focus on your medical treatment and getting better. Many of our clients experience peace of mind that their case is being handled the best way possible.

Murphy Law Firm gives free car accident consultationsCall Murphy Law Firm for a free consultation with Attorney James Murphy. 770-577-3020