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Are My Medical Bills Covered If I’m Injured in an Accident in South Carolina?

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When you’re hurt in an accident it can be nothing less than nightmarish. You’re facing a long road of recovery, maybe even the possibility of permanent disability. You’re looking at heaps of medical bills, at not being able to earn money like you once did, possibly at no longer being able to maintain a healthy interpersonal relationship. You know someone is responsible. You know you deserve compensation, but how do you go about getting it? Learn how to get your medical bills paid when you are hurt in an accident, and the importance of having a qualified personal injury attorney on your side.

No Ongoing Payments

The first, most important thing you need to understand is that you probably will not receive ongoing payments. A court case settlement usually doesn’t include a lump sum plus future amounts of money. You get simply one lump sum. That means that you need to file for enough of a settlement to cover your past, current and potential future bills at once. This can be very difficult if you don’t have the right representation.

Tort Liability State

South Carolina is a tort liability state, or a non “no fault” state. This means that your insurance is generally not responsible for paying your medical bills unless you have special medpay coverage. However, you can file a lawsuit to hold the other driver responsible for the damages you suffer, including your injuries. In such a case, the other driver’s insurance company will have to pay for the damages you suffer, up to the limits of the policy.

Filing such a lawsuit, however, can be very tricky and requires representation.

Lawsuits when Hurt in an Accident

When you’re hurt in an accident, you may have to file a lawsuit to get compensated for your injuries. In addition to getting your medical bills paid for, you may be entitled to compensation for future treatments, for lost wages and lost future earning potential, for lost relationships, for pain and suffering, mental anguish and more.

Unfortunately, insurance companies don’t become profitable by paying out large sums of money. They will often fight tooth and nail to avoid paying out, or to pay out the minimum amount possible. This can include tricking you to sign documents that absolve them of responsibility, employing bullying and strong-arm tactics to get you to go with a lowball offer and more.

Hire a Personal Injury Attorney

A qualified personal injury attorney knows how to fight these tactics, protect your rights, and make sure that you get your medical bills paid for as well as all of the compensation to which you’re entitled. They have experience in battling insurance companies and holding them responsible for paying what they owe, no matter what tactics they might employ.

If you’ve been hurt in a car accident, don’t sign anything and don’t try to go it alone. Secure the services of a qualified car accident attorney for help making sure you get all the compensation you deserve. Contact the car accident lawyers at Harris & Graves, P.A. for a free evaluation of your case, more information and to get started seeking justice for your injuries today.