Who pays for my medical treatment and damages after a wreck?

Typically, the insurance company of the driver who hit you. Many of our clients are worried about suing the driver who caused the collision because they fear bankrupting him or her. But the reality is that Georgia requires motorists to carry insurance, which kicks in when the insured causes an accident. You will submit your medical bills to the

Of course, in some situations, the driver who struck you might lack insurance. A large percentage of Georgia drivers do. This is a terrible experience to be in—but not uncommon. As a result, you will need to find some other way to pay for your medical care.

One option is to use your own health insurance. Another option is to use your uninsured motorist coverage, if you purchased it. UM coverage (as it is called) can step in and pay for medical treatment when the driver who struck you is uninsured. If the driver who struck you had insurance but not enough, you can also tap any underinsured motorist coverage to pay for your medical bills.