If you’ve been injured in a car wreck or other accident, bills and other paperwork from the hospital can quickly pile up. As a Dallas-Fort Worth personal injury lawyer, I know that understanding your various obligations regarding these costs can often be extremely frustrating – particularly when your crash was the result of someone else’s negligence.
After all, if another driver caused your injuries, shouldn’t their insurance have to pay?
If you or someone you love has been injured in a Dallas-Fort Worth accident which was not your fault, then it is a really good idea to discuss your situation with a board certified personal injury attorney who can help you understand not just your legal rights and option, but also the long-term financial implications of being seriously injured in a car crash.
For now, here is a list of definitions of common terms that you are likely to encounter in letter sent to you after you accident either from the hospital where you were treated or from your own health insurance provider:
Medicare is a government-funded program which covers medical expenses for elderly people. It works similarly to conventional private health insurance, but in some situations doctors or other health professionals will be resistant to billing Medicare because they believe that the liable party’s insurance company should be the ones to pay. While this is true, it is extremely unlikely that the insurance company will approve a fair settlement before you seek the treatment you need.
If you were rushed to the ER after being injured in an accident, there is a very good chance that there will be a hospital lien filed against you. This lien represents the hospital’s right to demand reimbursement (get paid for the care they provided you) when your claim against the liable insurance company is settled. It is important that you find out whether there are any liens filed against you prior to accepting any settlement from the insurance company.
Subrogation is a similar concept to hospital liens, except it involves your own health insurance provider’s claim against any damages you might recover against the at-fault driver’s insurance company. Although some health insurance providers handle their own subrogation claims, others are handled by independent collection firms such as Ingenix, Optum or Rawlings.
Free Consultation with a Dallas-Fort Worth Injury Lawyer
To schedule your free, no obligation consultation with a board certified Dallas-Fort Worth injury attorney, please call the Anderson Law Firm today at either 214-327-8000 or 817-294-1900.
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