Medical Payments / Subrogation
Even where someone has been injured because of the fault of
another person, the injured victim's major medical insurance benefits, medical payments
coverage under their auto policy, Medicare, or other (first party) health insurance
benefits still provide coverage.
Some insurance
carriers try to deny these claims...
Although some insurance carriers try to deny these claims,
the fact that someone else is ultimately responsible for the injuries and damages suffered
by the claimant, is no excuse for not paying the medical expenses as they are incurred.
Obviously, any policy requirements of the victim's health insurance must be
followed.
Essentially the victim first obtains coverage and payment
of medical expenses through their own first party health insurance benefits. However, the
party who pays the victim's medical expenses has a right of subrogation against the
ultimate tortfeasor.
The personal injury
attorney will handle the subrogation claim...
Why then if someone else is ultimately responsible for
these medical expenses, should a victim present these bills to their own first party
health insurance? For two reasons: 1) To have the bills paid now, because the ultimately
responsible party will only pay the bills as part of the final resolution of the claim;
and 2) the personal injury attorney will handle the subrogation claim of the first party
health insurance company and obtain funds for them as part of the victim's settlement, and
in the process, will most likely be able to negotiate a reduction of the amount originally
paid by the first party insurance company.
Our law firm will
resolve all medical liens
associated with any claim we are handling for a client.
What if an injured party does not have any first party
health insurance to pay their medical expenses? Then the injured person must either pay
the medical bills himself or request that the health care provider take a medical lien
against the victim's claims against any tortfeasors. Our law firm will resolve all medical
liens associated with any claim we are handling for a client.
Free Consultations
You may contact us by telephone toll free at (800) 709-1123
Use our online consultation form or by e-mail.
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Handle Your Personal Injury Claim?
Call or write today!
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