Should I use my own health insurance after a car accident?


For many, paying for treatment can be a bigger ordeal than actually being in a car accident. I am often asked by clients whether they should use their health insurance after a wreck. Generally, this is a good idea.

For starters, going through your own health insurance means that you won’t have to worry about your medical bills getting paid. This seems pretty straight forward, but where a person carries concern about mounting bills, then the pressure to settle early and for less than full value of the claim, increases. In other words, having your health insurance cover your injury means that you are less likely to cave in to low ball offers in order to pay bills.

This does not necessarily mean that you are off the hook for your medical bills. Your health insurance provider will usually want to be reimbursed from your recovery. However, this does not mean that they are entitled to full value. Hiring an experienced personal injury lawyer to go after the at-fault driver’s insurance for compensation is not only a good idea for you, but it is a good idea for your health insurance provider. Your injury attorney essentially acts as a collections attorney for your health insurance provider. As such, your attorney can negotiate your medical bills down by acting as the money collector. This puts even more money in your pocket.

This same is true for both Medicaid and Medicare. Where possible, it is generally advisable to use these services to pay for as much medical treatment as possible. These agencies will then have a lien on your recovery. Again, your attorney will be able to negotiate these bills down.

If health insurance is not an option for you, then you may want to defer payment by receiving treatment on a lien basis. This means that you work directly with your medical providers, who will get compensated from your eventual recovery.

If you or a loved one have been injured in a car or truck accident, or in a nursing home, and you are wondering how to pay for needed medical treatment, then please do not hesitate, call and speak to one of our experienced Atlanta car accident lawyers today.