If you are involved in an auto accident in Tennessee, it is important to know how to get compensated for what you’ve been through. You may have serious injuries that require medical attention, so it’s reasonable to be concerned about how you’ll pay for that care.
Tennessee is an at-fault state, which means that you can hold another driver responsible for the expenses you have related to your injuries. Until you can settle your claim against them, you do have some other options to cover your care.
Using your auto insurance to pay for medical bills
If you opted into MedPay, then this no-fault coverage will help cover your medical bills so long as they are reasonable and necessary.
If you did not choose MedPay, then you may have to look into other avenues, such as using your health insurance to cover your care.
Using your health insurance to cover your personal injuries
Your health insurance will cover your medical care up to your policy limits. Usually, this involves a deductible that you will need to pay first, but anything beyond that deductible may be covered. You may be able to get reimbursement later, and your insurance company may seek reimbursement as well if you were not at fault for the collision.
No health insurance or auto insurance?
If you don’t have health or auto insurance to cover your care, then you may have other options. Some hospitals will allow you to obtain care but will place a lien on your personal injury settlement, for example.
You deserve to seek the care you need to get on the road to recovery
It’s important to note that there are many ways to get coverage after an injury. Don’t delay your care because of concerns about how you’ll pay for it. If the other party was responsible for your injuries, you can build a personal injury claim and seek fair compensation from them. They may be responsible for covering the cost of your care as well as other financial losses that you’ve suffered as a result of their actions or reckless behavior.