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How Medical Bills Are Paid After A Car Accident in South Carolina

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When you’ve been injured in a car accident due to someone else’s actions or wrongdoing in South Carolina, you may be facing severe injuries and unexpected medical bills. Recovery should be your primary focus, but a growing stack of medical bills can be overwhelming and stressful.

Knowing how your accident-related medical debt will get paid can alleviate some of the stress caused by the crash. A skilled attorney can explain who pays for medical care after an accident.

Who pays for medical bills in a car accident? That depends on who is at fault. A skilled attorney can explain this process and initiate an insurance claim or lawsuit to pursue the compensation you need. The skilled South Carolina car accident attorneys at Goings Law Firm, LLC are available to discuss your rights and options if you were injured in an accident.

Understanding Fault in South Carolina

South Carolina is a “fault” state concerning car accidents. That means the person who caused the crash is also responsible for paying for the injured person’s injuries and losses, including medical bills. Determining who is at fault is crucial for deciding who will pay for your medical expenses.

Plaintiffs can establish fault using all available evidence, including police reports, witness statements, photos, and video footage. The plaintiff needs to establish that the defendant acted negligently in some way and caused the incident.

Steps to Take After a Car Accident

Taking the proper steps after a car accident in Columbia, South Carolina, can help ensure that your medical bills are covered.

  • Seek Medical Attention – Get medical treatment immediately. Some injuries may not show symptoms until later.
  • Report the Accident – Report the accident to the police. Request a copy of the police report.
  • Notify Your Insurance Company – Inform your insurance company about the accident and provide the necessary details.
  • Gather Evidence – Secure evidence from the accident scene, including photos, witness statements, and contact information.
  • Keep Records – Retain records of all medical treatments, bills, and related expenses.
  • Consult a Lawyer – Consider engaging a personal injury lawyer to manage the claims process and ensure you receive fair compensation.

How Are Medical Bills Paid Before Receiving an Insurance Settlement?

Your physical well-being is the primary concern after any accident. Get medical attention immediately after the accident and provide health insurance information to the healthcare providers. Your health insurance can be a primary source for covering immediate medical bills after a car accident.

Your health insurance company might pay your medical bills initially, but they may seek reimbursement from the at-fault driver’s insurance company later. You will likely have to cover any out-of-pocket pay until the at-fault driver’s insurance company pays for your medical expenses. Providing records from your insurance company can be used to show the harm caused to you.

Determining Liability

Various factors can contribute to determining who is at fault, impacting everything from insurance claims to potential legal action. Many of these are also criminal actions against the state. These include, but are not limited to:

  • Driving Under the Influence (DUI)
  • Speeding
  • Traffic Violations
  • Distracted Driving
  • Speeding

Understanding these factors is crucial for all drivers to prioritize safe driving practices and minimize the risk of accidents and associated liability.

The At-Fault Driver’s Insurance

Once you prove the other driver was at fault, the at-fault driver’s liability insurance should cover your medical expenses. South Carolina law requires drivers to carry liability insurance for bodily injury and property damage. South Carolina requires drivers to have a minimum of $25,000 per person for bodily injury and $50,000 for all people injured in one accident. Filing a claim with an insurance company is a step-by-step process.

  • File a Claim – Notify the at-fault driver’s insurance company of the accident and file a claim.
  • Provide Documentation – Provide medical records, bills, and other documentation to support your claim.
  • Negotiate – Work with the insurance company to negotiate a fair settlement for your medical expenses.

Claims for bodily injury may include medical expenses, lost wages, and pain and suffering. The insurance company will review the evidence to determine if their policyholder is at fault and determine the initial settlement offer.

However, getting the at-fault driver’s insurance to pay can be a lengthy process. A skilled attorney can negotiate with the insurer on your behalf and knows how to counter their tactics for reducing the value of your claim.

Filing a Lawsuit

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A lawsuit may be required to receive payment from the at-fault party’s insurance company if the insurance company does not compensate you to cover your necessary medical care. A qualified South Carolina attorney can assist you in the legal process. Plaintiffs must follow legal rules and deadlines when filing a personal injury lawsuit in South Carolina.

Insurance companies are skilled at downplaying the harm and giving low payouts to injured parties. A skilled attorney is needed in the negotiation process to advocate for the plaintiff. The first settlement offer will be unlikely to cover all the injured person’s accident-related losses. A seasoned attorney will be able to assess the true value of your claim and fight for the compensation you should receive.

Most car crash cases settle out of court, but it may be necessary for a case to go to trial. It is always advisable to have an accident attorney represent you in court. Trials are complex. There are legal procedures that only a skilled can handle effectively. A compelling attorney can argue the case and increase their client’s chances of a favorable outcome.

Get Help from a South Carolina Car Accident Lawyer

Understanding who pays for medical bills after a car accident in South Carolina can be complicated. A skilled attorney can help you through this process and determine the best action for your case. The lawyers at the Goings Law Firm, LLC are experienced in handling such cases and can provide legal guidance.

Please call us at (803) 350-9230 or contact us online if you or a loved one has been injured in an accident. Our dedicated team is here to support you throughout the legal process and ensure your rights are protected.

Last Updated : July 10, 2024
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