Should I Use Medpay Insurance Or Medical Insurance To Pay Medical Bills When There Is An Auto Accident With Personal Injury?
If you have "medical payments" coverage under your auto insurance policy and you are in an auto accident (even if it is not your fault), the medical payments coverage is considered "primary." This means that the medical providers should look to the medical payments coverage first to pay your medical bills before submitting any balance to your medical insurance company. Usually, the medical providers like to bill the medpay carrier, because they can recover a higher percentage of the bills than what your medical insurance carrier will pay. If for some reason the medical providers do not submit bills to your auto insurance carrier, they should submit them to your medical insurance carrier. You may end up paying some money for copays and deductibles up front, but the benefits of using your insurance can usually outweigh the downside. By the end of your personal injury claim, you should recover more money in your pocket. Because medical insurance companies have negotiated rates with medical providers, the discounted rate will be paid and the balance will be written off by the medical provider. Your personal injury attorney can assist you in assessing your choices.
With your medpay coverage in a vehicle accident and because of a unique law in Georgia, you may not have to pay back your auto insurance carrier at the end of your personal injury case.
In a slip and fall or trip and fall accident with personal injury, there are times when the insurance company for the landowner or tenant will not willingly make their medpay coverage available to you. You will then have to use your medical insurance to get the immediate medical care you require. If the landowner does make the medpay coverage available, there will be an offset against any amount you may recover for your personal injuries.
If you are not certain of what to do after an accident, the safest course is to consult with an Atlanta, Georgia accident injury attorney as soon as possible. Contact the Law Office Of Sidney Weinstein, 24/7, for a free accident and personal injury consultation by calling 404-522-3108. We can come to you at your home or any of the Atlanta, Georgia area hospitals including Grady Memorial Hospital and Atlanta Medical Center.