10 Feb Health Insurance & Car Accidents: Could You Be On The Hook For Thousands Of Dollars?
You have just been involved in an auto accident. You go to the hospital and then a few doctors appointments. After a few weeks, you start feeling better. You are not receiving medical bills because you told all of your providers to bill your health insurance. You decide not to hire an experienced personal injury attorney and instead decide to handle the insurance company yourself. You settle the claim for a few thousand dollars, you feel you just had a windfall because you think health insurance covered all your medical bills. But, did they really?
Health Insurance Has A Lien Against Your Settlement Monies
Months go by and the car accident is in the past now. You check the mail one day to find a letter from the health insurance company. It states that they were put on notice by the car insurance company that you received a settlement. They wanted to let you know that due to Florida statute, they have subrogation rights to your settlement funds. What does that mean? They have the right to take the settlement monies you received from the car insurance company to reimburse themselves for the money they put out. And before you ask, although it is not fair, this is legal.
What Should You Do If You Use Health Insurance To Pay Car Accident Medical Bills?
The first thing you should do after getting into a car accident is to hire an experienced and qualified personal injury attorney. Not only should you receive compensation to cover your health lien, but you should also receive additional damages for lost wages, future medical expenses, pain and suffering and any other relevant damages. Moreover, a personal injury attorney can likely negotiate with the health insurance company to get that lien lowered while also getting documentation that they no longer have the ability to collect against your settlement proceeds once an agreement has been reached. Overall, a personal injury attorney can make sure that you get the highest compensation available while protecting yourself.
Experienced Florida Car Accident Attorney
I understand that the process after getting into a car accident in Florida can be difficult and stressful. You probably have a lot of questions and very few answers. Allow me to be there for you every step of the way. I offer a FREE no-obligation consultation and will review your accident claim with you personally at one of the office locations in Tampa, Zephyrhills, Saint Petersburg, Brandon or Clearwater. Cannot make it to me? I will come to wherever is convenient to you at NO charge. You deserve to be compensated and I want to get justice for you!
Contact Car Accident Attorney Kevin L. Sullivan II TODAY at (813) 598-4868 for a FREE no-obligation consultation. I look forward to assisting you with your claim!