In South Carolina, if you have been injured in an accident, the liable party’s insurance company would generally owe you the total cost of all your accident-related medical care. However, because a settlement with the insurance company can take quite a long time, you can also have your health insurance cover your injuries after a bus crash. Just know that you will still be responsible for any copays or deductibles, but the health insurance company can cover the rest of the costs depending on your specific plan. The liable party’s insurance company could reimburse you
for these medical costs once you settle with them.
Because of South Carolina’s subrogation laws, if the health insurance company paid for your medical costs, they most likely will have you pay these expenses back once you receive any settlement from the insurance company. This subrogation law explicitly prevents victims from receiving compensation twice for one loss.
Working with the Hughey Law Firm during this process can help you tremendously. Our attorneys could not only help you figure out who can pay for your medical bills, but we could also walk you through this subrogation process and, in some instances, even negotiate down how much you have to repay. This may mean a larger payout for you.