If you are hurt in a car accident, your first concern is getting proper medical treatment. But closely following that, you may wonder who is going to pay the medical bills. There is no blanket answer that covers all situations. Three important factors are involved: the type of accident, the state you live in, and the type of insurance you have.
If you live in a no-fault state, then your own insurance will pay for your injury regardless of who is at fault. And the other party’s insurance will pay for their expenses. There are limits, of course, to how much insurance companies will pay. This limit varies from state to state. If your expenses exceed that limit, you are responsible; your health care insurance may then take over and cover the additional expenses.
There are twelve states that have no-fault insurance laws. What about South Carolina?
In South Carolina
South Carolina does not have no-fault laws. So your liability insurance will cover injuries to the other party if you are at fault. Liability insurance includes bodily injury liability coverage, which will pay for your medical expenses. Again, there are limits to this coverage, and if the limit is exceeded, then the at-fault party is responsible for paying the extra amount. Your health insurance would generally cover the additional costs associated with your medical expenses. Benefit Insurance Services, which serves Myrtle Beach, SC, can provide more information and details.
Get the Right Coverage
It is important to have adequate coverage so you’re not left with a huge medical bill. Benefit Insurance Services can help you through these murky waters and find a policy that’s best for you. Serving Myrtle Beach, SC and other coastal South Carolina cities, you can rely on their experience and expertise.