Does my car insurance cover medical expenses?
Yes, car insurance covers medical expenses in Tennessee if medical payment coverage is on your policy. This optional benefit pays for medical bills up to the policy limit. Even though Tennessee is a fault state for car accident liability purposes, Medical Payment Coverage (Med Pay) is available for all car wreck injuries. No fault means it does not matter who caused the collision for the benefit to be available. Med pay is usually available for every occupant in the vehicle when the car wreck happened.
Car Accident Lawyer George Angelopoulos knows to search for all available types of insurance policies after a wreck. Each policy has its own benefits. Proper utilization (coordination of benefits) depends on what is available. Most med pay policies have a $3,000 or $5,000 limit. Preserving this benefit for unforeseen medical care has substantial benefits when coordinated to protect your families cash flow and assets. The last thing you want to do is exhaust a benefit early when you may need it later. Call George at 615-422-7171 or complete our free case review request to discuss your situation today.
Do I have to pay back Med Pay?
Yes, you will be required to pay back Med Pay. Every medical payment policy in Tennessee includes a right of Subrogation. This means your auto insurance company is reimbursed for money paid as a benefit after an auto accident injury. This right springs to life only when the injured beneficiary receives a third party injury settlement.
In most situations we do not recommend using med pay after an auto accident injury because of their strict subrogation rights. Sometimes we have to use the policy or benefits have already been drafted. That is OK. We play the hand we are dealt after an unfortunate auto accident injury. The sooner we can review your case the better we are at navigating your claim to maximize your bottom line.
Who Pays My Medical Bills after a Car Accident if I don’t have Med Pay?
You will initially be responsible to pay medical bills after a car accident in Tennessee if you don’t have med pay. Ultimately, the at fault driver or their insurance policy is required to pay the cost of reasonable and necessary medical bills, but this will not happen until you reach a car accident injury settlement. Personal injury settlements can take a long time to complete. Multiple insurance policies may be in play, including your health insurance and third party liability insurance. Each wants to minimize their expenses.
In most situations we recommend using your health insurance for initial medical bill payment after a car accident. Call George at 615-422-7171, start a live chat or complete a contact form on any page to get started. There is no fee unless we recover compensation. We advance expenses and since 2014 have only represented injured Tennesseans, never the insurance companies.
