Just because health insurance paid for your medical bills after your car wreck does not mean that you do not have personal injury claim. In fact, it is generally a good idea that you use your health insurance after an accident.
One of the primary factors that determines the value of your personal injury claims is the amount of the medical bills that are incurred due to your treatment. Who pays for the treatment, whether it’s your health insurance, your medical payments insurance, a rich relative, or some other source, will not affect the value. From the standpoint of the law, the medical bills continue to be a barometer of the value of the claim even though they are paid.
Using your health insurance has some advantages. Primarily, having your health insurance pay for your bills means that you won’t have to worry about how your bills will be paid. You would likely only be responsible for your deductible. Why is this an advantage? When you have a pile of medical bills, you are more likely to settle fast and for less than fair value.
However, you will still be responsible for your medical bills in this way: the amounts paid by health insurance will likely have to be reimbursed from your recovery. Still, this amount may be a sum lower than the incurred bills. Further, an experienced personal injury lawyer may further negotiate the bill down on your behalf. This puts even more money in your pocket.
If you or a loved one have been injured in a car accident, or in a nursing home, and you are wondering whether the use of health insurance will affect the value of your claim, then please do not hesitate, call and speak to one of our experienced Atlanta car accident lawyers today.