Motorcycle accidents can result in near-fatal injuries for all parties involved. Treatment for those injuries can be quite expensive, and figuring out how to pay for medical bills while recovering can be overwhelming. If you want to know more about health insurance in Denver motorcycle accident cases and how health insurance could benefit you, speak with a knowledgeable motorcycle accident attorney that could answer your questions.
Benefits of Having Health Insurance
The benefits of having health insurance outweigh not having health insurance. With health insurance, the injured party can seek all of the treatment they need on their health insurance company’s tab. If one does not have health insurance, they must pay for the treatment themselves. Health insurance in Denver motorcycle accident cases can allow an accident victim to seek medical treatment without having to worry about paying exorbitant hospital bills, so they can focus on recovering from their injuries.
Motorcycle Victims Without Health Insurance
If a motorcyclist is injured and does not have health insurance, they should seek help to rule out any serious injury. The individual’s health is a lot more important than any bills they may accrue as a result of the collision because, remember, if it is a serious injury, an individual would rather have it looked at than not get it looked at which could potentially cause harm to them and their person. If the injured party was not responsible for the collision, they should immediately contact an attorney and they will find a provider who will allow them to treat on a lien basis. A lien is basically an I-owe-you ticket.
Can a Person’s Health Insurance Coverage Limit Recovery?
Health insurance in the State of Colorado cannot reduce the amount that one collects from the at-fault party because of the collateral source rule. The at-fault party is not entitled to the benefit and reimburse the at-fault party at a reduced amount. The at-fault party will reimburse the injured party the full amount that was billed, not paid.
The billed amount will almost always be greater than the paid amount because health insurance companies have contractual agreements with medical providers throughout the state that provide the injured party with the same service that anyone else would receive but at a discounted rate. Paid sick leave should not be used against or reduce the amount of money the injured party should receive if the injured party was forced to use their sick leave as the result of the at-fault party’s negligence, and a good attorney will fight for those rights for the individual and fight for those benefits.
Subrogation in Motorcycle Accident Cases
If an injured party received payments from the third-party tortfeasor, the insurance company who provided the payment will receive what is called subrogation which is a big word for the right to get paid back. The subrogated amount will be the amount the health insurance company paid to the medical providers on behalf of the injured party. The amount the insurance company will subrogate can be reduced in some instances. The amount of a reduction differs depending on the particular case and the particular health insurance company and what type of health insurance plan it is.Insurance companies will subrogate the amount they paid out to the medical provider. This is usually equal to the amount that was paid, not billed. In order to learn more about health insurance in Denver motorcycle accident cases, an individual should speak with an adept motorcycle accident attorney that could answer their questions.