Health insurance is a key component of making sure bills can be paid and other matters resolved in the event of personal injury.
However, what many people who have health insurance fail to realize is their insurance can play a pivotal role in helping them when they file a personal injury claim.
Image credit: Stuart Miles | FreeDigitalPhotos.net
Filing the claim
In the event of a personal injury claim, the parties responsible for the injury are liable for the damage they caused, but it is the victim’s health insurance company that’s responsible for paying the medical expenses incurred from the injuries.
Yet, many who have health insurance fail to file claims because they believe it will be held against them, possibly leading to cancellation of their policies.
However, the opposite often happens. Having the health insurance to pay the bills and evaluate the injuries often helps when a claim is filed, especially when medical evidence is able to be presented in court.
Avoid financial disaster
In the event of an injury, health insurance can often be the difference between bills being paid or being forced to declare bankruptcy.
Since most bankruptcies occur as a result of medical expenses, having health insurance lets an injured person have their bills paid while living on any disability insurance they may have through their employer.
Using a personal injury attorney
Having health insurance can be a huge benefit when pursuing a personal injury claim. Many people often make the mistake of pursuing claims themselves, rather than consulting an attorney.
This often results in large amounts of any settlement being paid back to the health insurance provider because the medical expenses were not taken into account when deciding on a dollar figure to seek.
By using an injury lawyer in Edmonton such as Braithwaite Boyle Accident Injury Law, injured persons can be well-advised in their proceedings and make sure all expenses are taken into account when seeking damages.
Health insurance reimbursement
Health insurance carriers often reimburse personal injury victims very quickly when they know the victims have retained the services of an attorney because they realize the chances of getting reimbursed themselves are greatly increased.
While many victims believe hiring an attorney can be too expensive, often, these lawyers make no money on these cases unless they are victorious in court.
By having a health insurance policy, filing a personal injury claim can be made much easier, and the chances of recouping damages while having medical bills paid is greatly increased.
Savannah Coulsen
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Thanks for sharing the useful information. I am a little confused, whether to go for attorney for filling a claim or is it better to go for the health insurance company.