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In Georgia, if you get in a wreck, the at-fault driver pays. In Florida, if you get in a wreck, you pay, regardless of fault. The Florida system is called no-fault insurance. This disparity can cause tremendous problems for those of us Georgians that enjoy a quiet week in Panama City or a loud week in Daytona Beach, and find that we aren’t paying attention and cause a wreck. (this has never happened to me).
Here is a scenario that plays out daily in America. You were injured in a car wreck, you settled with your insurance company or won a judgment in court, and now you are ready to be paid. Then your attorney says he or she cannot settle because of TRICARE, the Department of Defense health care program.
Medical payments coverage is an optional add-on provision to your automobile insurance policy. It is not required coverage in Georgia, but it is certainly recommended even if you have other health care coverage. Why? It is the most affordable health insurance you can have to cover your health expenses as a result of a car accident and can even be used to cover out of pocket expenses, deductibles, coinsurance, or co-pays with other health insurance.
Time and again we have had clients come in after being in a car wreck only to discover that there is no insurance coverage on the car that hit them and a lack of proper insurance coverage on their own car. Then we hear that frustrating phrase, “but I have full coverage, my agent told me so.” At that point we have to explain that the term “full coverage” means different things to different people. This problem is avoidable.
Teens are three times more likely to be involved in a fatal car wreck than other adult drivers. The CBS Evening National News this week devoted a portion of its nightly national coverage to a report on the alarming statistic showing that fatalities among teen drivers increased significantly in 2012. This article is devoted to summarizing that CBS report and the referenced studies.