If you have racked up medical debt as a result of an accident in California, you may be wondering how to get the at-fault party’s insurance to cover it. You can call Law Offices of Fernando D. Vargas at 909-982-0707 for a free legal consultation with a qualified attorney after reading on to get the answers.
Who Is Liable for Medical Bills Following an Accident?
If someone else violated their duty of care, they are likely legally liable for not just the cost of the victim’s medical care but also for other damages. The at-fault party, however, is probably not going to quickly pay their debts or accept their culpability. Your private insurance may cover it while you wait for your personal injury lawsuit to go to trial. Get in touch with the Law Offices of Fernando D. Vargas to find out about your alternatives.
If I Do Not Have Health Insurance, What Happens?
Hospitals are required by law to work out fair payment arrangements and discounts with patients who do not have insurance or whose income does not exceed 350% of the federal poverty line. There are further choices. For instance, if you have a strong personal injury claim, a doctor may accept your case on a lien basis, which means they will not get paid until your personal injury claim is resolved.
If I Have Health Insurance, Should I Accept a Doctor’s Lien?
Most of the time, no. Utilizing your health insurance is preferable than incurring a lien. While a medical lien enables your doctor’s expenses to be reimbursed from the settlement (or earnings of your lawsuit), if you lose your case you will still be charged for your medical bills in full. They cannot be charged more than the fee they agreed to if your insurance covers it.
What If I Have Multiple Insurance Policies That Will Pay for My Injuries?
If you have good coverage, it is possible that your medical expenses are covered by many policies. Depending on the circumstances, you can choose to submit to the first one before the second. You can decide on it with the aid of your attorney. For instance, if you require chiropractic therapy, Med Pay may be able to help you out, but your health insurance may not.
Ultimately, each situation is unique, but you should see a personal injury lawyer as soon as possible to identify your best course of action. To schedule a free legal consultation, call Law Offices of Fernando D. Vargas at 909-982-0707.
