Car Accident Liability

Answer:

Dealing with medical expenses after a car accident injury is a relatively complex thing, surprisingly. One of the things that people don’t often realize is that their own auto insurance, their medical payments coverage portion of their auto insurance, is the primary bill payer for medical bills incurred because of injuries in an Idaho accident. You have to have chosen to purchase medical payments coverage. It’s not automatic coverage that you’re required to purchase.

Once you choose to purchase it, it applies to the first $5,000, $10,000, or however much coverage you’ve purchased of your medical bills. After that, your standard health insurance will kick in. That means your deductibles, your co-pays, or those portions of that insurance that are out-of-pocket, are going to be out-of-pocket for you. Both your medical payments coverage and these other costs that you have to pay out-of-pocket and your health insurance pays are subject to reimbursement.

A subrogation right is one of the words that lawyers use in Boise, Idaho car accidents. Subrogation means the right to be re-paid. Sometimes medical care can be provided on a lien – that means a right to be paid the first time – where the physician or other healthcare provider says, “Alright, I’ll provide the care and wait and hold off, until you’ve resolved your personal injury claim, to be paid for the services I’ve provided.”One of the problems with that is, in a situation where your health insurance paid the bill, it may get billed $100 and only have to pay $75, whereas if a provider is providing a lien, they’re not going to provide that write-down, so you have that additional cost you may not have otherwise had.

It’s surprising how complex medical expenses can be. At the end of the day, the bad guy only has to pay once, so you have to manage your payment of expenses from the time the injury happens forward to make sure that you’re taken care of. That can be done through discussions with the billing offices and stuff like that to help them understand your situation. Good Boise, Idaho car accident injury attorneys will help you deal with these issues over the course of your claim. If you have any questions about this or anything else to do with a Boise, Idaho car accident, give us a call. We’re here to talk to you.