After a car accident in South Carolina, the question of which insurance pays first depends on the circumstances. Generally, if the at-fault driver has liability insurance, their policy is the primary source of compensation for your medical bills. However, their insurer will not pay your bills as they come in; they settle at the end of the claim. This means you may need to use your own health insurance or MedPay (medical payments coverage, if you have it) to cover costs while your claim is pending. MedPay is optional in South Carolina but pays regardless of fault and coordinates with your health insurance. Your car accident attorney can help you navigate billing and ensure you are not left paying out of pocket while your claim resolves.