You’re dealing with severe injuries from a car crash, then you find out the other driver’s insurance won’t cover all your medical bills. Now you’re left not just with the pain of physical injury but an enormous bill you can barely afford.
This situation is common among Georgia drivers. In 2023, a study done by the Insurance Information Institute showed that the percentage of motorists without insurance in Georgia is at 18.1%.
In addition, Georgia’s minimum required auto insurance often falls short when you face serious injuries. When you figure in an accident involving a driver who is either not insured or has insurance that can’t cover your entire bill, it is crucial for you to know what options you can explore.
Why minimum coverage isn’t enough
Georgia law requires drivers to carry only $25,000 per person and $50,000 per accident for bodily injury liability. One emergency room visit can easily exceed that amount. Add surgery or rehab, and the costs can grow even bigger.
What is frustrating is that, when the at-fault driver carries only minimum coverage, their insurer pays up to their limits. You’re stuck with the rest.
Check your own insurance
If you’ve been involved in an auto accident with another driver who lacks insurance, your medical expenses will come out of your own insurance. Look for these coverages on your auto policy:
- Uninsured/underinsured motorist: It fills the gap when the other driver’s policy isn’t enough.
- Medical payments coverage: It helps with immediate expenses regardless of who caused the crash.
In the meantime, use your own insurance. Your health insurance can cover treatment while you sort out liability issues. Your insurer may seek repayment from any future settlement, but they can provide help when you need it most.
Negotiate medical bills
Hospitals often offer payment plans or bill reductions for people facing difficulties financially. A lawyer can negotiate with providers to reduce what you owe.
Don’t just accept the first bill. Many providers will work with you.
Explore all your options
Georgia’s minimum insurance limits don’t mean you should just agree to pay everything on your own. You can find ways to cover costs and get back on your feet. The key is knowing your options and taking action.
It also helps to consult a Georgia personal injury attorney who can evaluate your case and explore all possible options. They can help you file personal injury claims and identify other responsible parties.
Act fast
Examine your case. Get professional guidance if necessary. Gather all the evidence required for you to make your case. Know all your options to remedy your situation.
Most importantly, act quickly. Georgia gives you two years from your accident date to file a lawsuit. Remember that even if you have evidence and testimony, evidence disappears and memory is fragile. So take action as soon as possible to preserve your right to seek full payment.