Most People Believe That The Car Insurance Company Will Directly Pay For Your Medical Treatment
Though this is a common belief, it's not actually how it works. You aren't going to see any money from the insurance company until after the case settles. So how do you pay for your medical treatment? You have to use your personal insurance.
Personal Insurance Pays For Your Medical Treatment While You Recover
If you have personal insurance, that is what will cover your medical treatment after an injury. If you don't have personal insurance it will be really difficult to get a strong settlement because your medical treatment is the thrust of your case. You may be able to find some practioners who will treat you and put a lien against your settlement, but that is not the best way to go. Particularly because not a lot of doctors do it that way, and for a strong car accident case consistent, quality medical treatment is essential.
While you are being treated and using your personal insurance, it's critical that you keep track of your medical records and bills. Since this is a huge part of your case, and experienced car accident lawyer like Frank Kearney and his car accident team will take care of all this for you so you don't have to worry about anything but getting better.
Liens and Subrgoation Are The Biggest Reason To Hire An Experienced Car Accident Lawyer
A lien is a financial interest that another person or entity has against your car accident settlement. Liens can come from different entities but the most common liens are from your personal health insurance carrier, Medicare, or Medicaid. Insurance law dictates that because you will recover a sum from the car insurance company, they have a right to assert what they spent on you in personal healthcare.
This law isn't fair - just because there is third-party liability doesn't mean that you didn't pay your premiums. The fact that liens are allowed under liability scenarios and don't apply to other types of accidents (say anything that will not involve a settlement) may not be fair but it's a reality. The practice is called subrogation and it's allowed in DC, Maryland, and Virginia
If you have multiple healthcare providers and are dealing with at least one lien, you need the help of an experienced car accident lawyer to negotiate the right settlement. The legal expertise to negotiate with lien holders is absolutely essential, and you shouldn't try to handle this on your own. You could lose thousands or tens of thousands in settlement dollars if you try to handle this on your own.
Our Experienced Car Accident Lawyers Can Help You Stand Up To The Insurance Company And Get the Maximum Settlement
Most people are terrified of losing income after an injury keeps them out of work. We provide financial stability and medical treatment while you can’t work so you can pay your bills and recover. You don't want to be juggling medical records, medical bills, liens, subgrogation and lost wages all while you are trying to recover from a serious injury. Contact our experienced car accident team today at 202-393-3320 or chat with one of our agents right now. We make it really easy to get started with a confidential, no obligation phone call.