{"id":1683,"date":"2008-02-04T10:12:52","date_gmt":"2008-02-04T10:12:52","guid":{"rendered":"http:\/\/localhost:8888\/wordpress\/georgia_serious_injury_cases_f_7\/"},"modified":"2024-12-17T16:09:15","modified_gmt":"2024-12-17T21:09:15","slug":"georgia-serious-injury-cases-f-7","status":"publish","type":"post","link":"https:\/\/www.finchmccranie.com\/blog\/georgia-serious-injury-cases-f-7\/","title":{"rendered":"Car Accidents: Georgia Serious Injury Cases:  Frequently Asked Question Number 8"},"content":{"rendered":"<p>This blog will continue in our series of providing our readers with answers to frequently asked questions in the context of a serious injury case.  This blog will address FAQ number 8:<\/p>\n<p>9.\tIf I have no health insurance and the at fault driver has little or no liability insurance coverage, what happens if my medical bills exceed available coverages?<\/p>\n<p>Answer: \tThis is a sad case that we see far too often in our practice.  The hypothetical at fault driver has run the stop sign or red light and has caused serious injuries.  The at fault driver has minimum limits of $25,000.00 which are insufficient to pay the medical expenses incurred.  The injured individual has no health insurance.  Thus, medical expenses exceed all forms of available coverage.  What happens?  Typically, lots of problems.  If the medical expenses exceed available coverage then counsel will attempt to negotiate some type of settlement with the hospital and healthcare providers because there is simply not enough money to go around and what is available needs to be divided on an equitable basis.  Sometimes this works and sometimes it does not.  If there is a Hospital Lien, for example, the Hospital Lien takes priority by operation of law and all of the settlement funds might have to be paid to the hospital leaving the injured individual with nothing.  Again, these are sad and complicated cases requiring careful review by experienced counsel.  This, of course, is why it is so important that the public protect itself through Medical Payments coverage, health insurance coverage, disability coverage and\/or any other forms of coverage such as uninsured motorist coverage if such coverage can be purchased and is affordable.  If such coverage is not affordable and the injured individual has nothing then literally they are at the mercy of the resources of the at fault defendant which in many cases are themselves grossly insufficient to pay for medical expenses, much less pain and suffering and lost wages.<\/p>\n<div class=\"read_more_link\"><a href=\"https:\/\/www.finchmccranie.com\/blog\/georgia-serious-injury-cases-f-7\/\"  title=\"Continue Reading Car Accidents: Georgia Serious Injury Cases:  Frequently Asked Question Number 8\" class=\"more-link\">Continue reading<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>This blog will continue in our series of providing our readers with answers to frequently asked questions in the context of a serious injury case. This blog will address FAQ number 8: 9. If I have no health insurance and the at fault driver has little or no liability insurance coverage, what happens if my [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[44],"class_list":["post-1683","post","type-post","status-publish","format-standard","hentry","category-personal-injury-wrongful-death","tag-personal-injury"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Car Accidents: Georgia Serious Injury Cases: Frequently Asked Question Number 8 &#8212; Trial Attorney Blog &#8212; February 4, 2008<\/title>\n<meta name=\"description\" content=\"This blog will continue in our series of providing our readers with answers to frequently asked questions in the context of a serious injury case. This &#8212; February 4, 2008\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finchmccranie.com\/blog\/georgia-serious-injury-cases-f-7\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Car Accidents: Georgia Serious Injury Cases: Frequently Asked Question Number 8 &#8212; Trial Attorney Blog &#8212; February 4, 2008\" \/>\n<meta name=\"twitter:description\" content=\"This blog will continue in our series of providing our readers with answers to frequently asked questions in the context of a serious injury case. 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This &#8212; February 4, 2008","twitter_misc":{"Written by":"Finch McCranie, LLP","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finchmccranie.com\/blog\/georgia-serious-injury-cases-f-7\/#article","isPartOf":{"@id":"https:\/\/www.finchmccranie.com\/blog\/georgia-serious-injury-cases-f-7\/"},"author":{"name":"Finch McCranie, LLP","@id":"https:\/\/www.finchmccranie.com\/blog\/#\/schema\/person\/4c607d19a3fdb947c462210c077ff4a4"},"headline":"Car Accidents: Georgia Serious Injury Cases: Frequently Asked Question Number 8","datePublished":"2008-02-04T10:12:52+00:00","dateModified":"2024-12-17T21:09:15+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finchmccranie.com\/blog\/georgia-serious-injury-cases-f-7\/"},"wordCount":512,"keywords":["Personal Injury"],"articleSection":["Personal Injury &amp; Wrongful Death"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.finchmccranie.com\/blog\/georgia-serious-injury-cases-f-7\/","url":"https:\/\/www.finchmccranie.com\/blog\/georgia-serious-injury-cases-f-7\/","name":"Car Accidents: Georgia Serious Injury Cases: Frequently Asked Question Number 8 &#8212; Trial Attorney Blog &#8212; February 4, 2008","isPartOf":{"@id":"https:\/\/www.finchmccranie.com\/blog\/#website"},"datePublished":"2008-02-04T10:12:52+00:00","dateModified":"2024-12-17T21:09:15+00:00","author":{"@id":"https:\/\/www.finchmccranie.com\/blog\/#\/schema\/person\/4c607d19a3fdb947c462210c077ff4a4"},"description":"This blog will continue in our series of providing our readers with answers to frequently asked questions in the context of a serious injury case. 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