The Role of Health Insurance in Fort Worth Motorcycle Accident Cases
Nobody anticipates getting into a motorcycle accident, which is why having health insurance before a motorcycle accident happens is so important. Medical treatment is expensive, and most people cannot afford that cost on their own, especially when the accident is the result of someone else’s negligence. Health insurance is a smart, proactive, and protective measure.
The importance of health insurance in motorcycle accidents cannot be stressed enough. Injuries on a motorcycle usually require hospitalization, whether inpatient or outpatient. When a rider does not have health insurance, they must pay out of pocket for any injuries they sustained on a motorcycle. Health insurance could help cover the bills and the person’s net pay deductible because a hospital stay for a serious injury can be expensive. Fortunately, a seasoned motorcycle accident lawyer could help.
Speak to an attorney to learn about the role of health insurance in Fort Worth motorcycle accident cases.
What to Do Following a Motorcycle Collision
The most important thing to do following a motorcycle accident is to seek medical treatment immediately. Too often, people do not get immediate treatment and realize days later that they are injured. Even if someone experiences minor pain after an accident, they should seek medical evaluation immediately.
If possible, it is important to get the name, address, plate number, and insurance company information from the drivers of the vehicles involved, if possible. The health insurance card should have a phone number to contact. The injured person should engage in communications with their health insurance carrier to cover the costs of medical treatment when they are injured. The health insurance company has a duty to assist them, and by calling the number on the card, the person should be able to get answers to any questions they might have.
Steps to Take If an Individual Does Not Have Insurance
When a motorcyclist is injured, they should seek medical help to rule out any serious injuries. One’s health is more important than any bills they may accrue as a result of a collision. A hospital cannot turn anyone away, and they take all the necessary precautions to make sure the person is in good standing.
When the injured party is not responsible for the collision, they should reach out to a dedicated motorcycle accident attorney quickly who could find a provider to treat them under a lien or a letter of protection. Letters of protection are common in the legal industry and are often used to assist an injured person to get the medical treatment they need.
If long-term treatment and rehabilitation are needed, a personal injury attorney may have a robust network of medical providers that work under a letter of protection so the medical providers can be paid out of any potential settlement.
Accidents should not be a financial burden to someone if the accident was not their fault. That is why it is so important to reach out to a lawyer who has experience handling motorcycle accidents and understands how insurance policies work.
Understanding the Rules of Subrogation
If an injured party receives payments from a third-party tortfeasor, the insurance company who provided payment receives subrogation.
Subrogation is a term for the right to be paid back. The subrogated amount is the amount the insurance company paid to the medical providers on behalf of the injured party. The amount the insurance company subrogates can be reduced in some instances. The amount of reduction differs depending on each case and the type of health insurance.
How Can a Person’s Health Insurance Coverage or Paid Sick Leave from Work Limit Their Recovery?
The payment of health insurance benefits and sick leave does not affect one’s ability to collect financial damages as a result of an accident. Those are separate benefits that are not taken into account by a court of law. It does not matter if a person pays for their medical expenses out of their own pocket or if their existing health insurance company picks up the tab. Neither makes any difference when they go to file a suit and seek a potential settlement for the motorcycle accident.
The court takes a comprehensive picture of how much the accident cost the individual in terms of physical and emotional suffering and works to come to a justifiable amount of financial compensation.
The health insurance company does not have the right to ask the person for reimbursement later if they do receive a settlement based on their injuries. The amount an insurance company might ask from a settlement is determined on a case-by-case basis.
Enlist the Help of a Motorcycle Accident Attorney
There are many benefits to a motorcycle accident attorney. Injured individuals often do not always know the kind of doctors to see for their injuries. An attorney could help the injured party arrange to see quality medical specialists. Payment of medical bills can be deferred until a potential settlement is reached.
Additionally, an attorney could help with negotiating with insurance companies. An individual should contact an attorney prior to speaking to any insurance representative. The attorney can review the facts to ensure everything is correct. They help the client fill out reports and claim information. The attorney’s job is to protect the individual and their financial wellbeing.
The insurance adjuster may ask at some point that the injured party provides a recorded statement by the insurance carrier. They should not do that. They should not give any statement to their insurance company without speaking to a lawyer first. Call today to learn about the role of health insurance in Fort Worth motorcycle accident cases and how an attorney could help your case.