Even if you have health insurance, you should still call an injury law firm after you have been hurt in a car accident, but the reason why might surprised you.
Many of our clients thought at first that there was no need to call an injury attorney or even start an injury claim because they have health insurance that would cover their medical bills. But this is wrong.
Copayments and Deductibles
First of all, even if you have health insurance, there are still co-payments and deductibles that have to be paid out of your pocket, and no one is reimbursing you for the hundreds and thousands of dollars in premiums that had to be paid, either by you or by your employer, so you would have health insurance coverage in the first place.
What About the Other Driver’s Insurance?
A second misunderstanding is that many people hurt in a car accident think that the other driver’s insurance company will only pay what their health insurance company doesn’t cover, but this is wrong. Yes, your health insurance company will pay for some or all of your medical bills, but this doesn’t mean that the other driver’s auto insurance company gets off scot free. In a way, because you’re fortunate enough to have health insurance, it’s like a double recovery.
Your health insurance company will pay for your medical bills, but the other driver’s insurance company will pay for them again. Look, you would not be hurt, but for the carelessness of this other driver, so why shouldn’t this other driver’s auto insurance company pay for your medical bills, pay for your lost wages, pay for the pain that you’ve had to endure, and pay something for the interruption of your life and probably the life of your entire family?
Even if you have health insurance, pick up the phone today to schedule your free injury claim evaluation. Let us show you how we put Personal back into Personal Injury Law.