Which is my primary coverage after a car crash: Health insurance or MedPay?

If you were hurt in a car crash, you can either use health insurance or MedPay to cover your medical bills because personal injury protection (PIP) isn’t available in Georgia. Most people purchase one or the other, but if you have both health insurance and MedPay, you’ll want to know which is your primary coverage.

Knowing which coverage comes first depends on the terms of your policy. If your health insurance doesn’t include car accidents, you’ll want to use your MedPay coverage. However, if your health insurance covers car accidents, you’ll likely have to pay a deductible or copay before that coverage kicks in. In that case, you may want to consider using MedPay for reimbursement.

Keep reading to learn the differences between health insurance and MedPay, using Medicare, and your options for legal action. Macon car accident lawyer Mike Rafi will work to obtain compensation for medical bills, lost wages, and other monetary losses that you experienced in the crash.

Call Mike at (478) 216-1664 or contact him online to schedule your free consultation.

MedPay

Georgia is a “fault” state which means that anyone involved in an accident will need to go through their own insurance to pay for treatment and other bills stemming from the accident. If you only have liability coverage, it will pay for the other driver’s expenses if you caused the accident, but it won’t pay for your medical expenses.

MedPay is an optional coverage you can add to your auto insurance policy which will typically be the first to pay for any health-related expenses after an accident, even if you’re at fault.

Although those policies will cover your medical bills, Georgia uses the modified comparative negligence principle which means that the amount you receive may be reduced by your percent of fault in the accident, as long as it’s less than 50%.

For example, if you were found to be 20% at fault and your medical expenses were $100,000, your compensation will be reduced by $20,000 to $80,000. 

Health insurance

Your health insurance might provide all the coverage you need, regardless of MedPay coverage or your percentage of fault in the accident. However, if you recover a financial settlement, they might require reimbursement for the amounts they paid for your treatment.  

Medicare 

If you have Medicare or Medicaid, it could also help pay for your bills, however, this type of coverage can be complex, so it’s recommended that you get an attorney’s help before opting to go this route.

Contact attorney Mike Rafi to learn about all of your legal options

Trying to deal with an insurance company after an accident can be incredibly complicated and frustrating, especially if you were injured in the accident and if they try to reduce or deny the amount of compensation you’re owed. This is where an attorney’s help is invaluable.

Contact Macon car accident lawyer Mike Rafi if you’ve suffered a severe injury in a car accident that wasn’t your fault or if you have questions regarding primary health care coverage following your accident. To schedule your consultation, call Mike at (478) 216-1664 or contact him online.