Get hit by a car that ran a stop sign? Don’t panic—Medicare’s got your back on medical bills while the other driver’s insurance dawdles. They’ll step in with conditional payments so you’re not left waiting for treatment. The other insurer is primary, Medicare secondary—but if they’re slow, Medicare covers first and will later seek reimbursement. For your totaled car? You’re on your own unless you had collision coverage—file a claim directly with the at-fault driver’s insurer for actual cash value.
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