Q:

Our state has just switched to a tort system from a no fault system. What will happen

A:

About 15 years ago Georgia switched from a no fault state to a sue as you go state. During 
no fault everyone had coverge for care but since the demise of no fault people now have the 
option to add "Medpay" to their personal auto policy. Medpay is a portion of your personal 
auto insurance that will pay the doctor directly rather than relying on the offending auto 
insurance or an attorney. Saving money caused people who have health insurance to stop 
adding the Medpay portion to their auto insurance and rely on health insurance (managed 
care limited pay) or the third party or attorney for settlement which is always a risk. What 
eventually happened was less insurance settlements .. attorneys not accepted low impact 
cases due to limited payments .. attorneys giving only a portion of the settlement and 
patients walking away with no pay since the third party insurance pays them and you hope 
they pay you. It took awhile for it to be as pitiful but there are some honest attorneys and 
patients out there as well as some wise people that add their Medpay coverage to their 
policy. Good Luck