Does Medical Insurance Cover Car Accident Injuries?
A car accident can bring about serious physical and emotional damage, and being left with the aftermath of a crash only compiles to your stress. If you have been injured, you will likely need immediate and ongoing medical care for your injuries. Dealing with health insurance can be complex and intimidating, especially after experiencing an auto accident.
After a crash, there will be a number of different policies at play, including both health and auto insurance, so deciding who will pay for what can quickly become difficult to navigate. You may find yourself asking complicated questions, such as “does medical insurance cover car accidents?” Having a firm understanding of the different factors that affect which policy and/or policyholder will foot the bill for your injuries is critical to ensuring that you don’t wind up liable for expenses pertaining to your recovery.
Here’s what you need to know about using your health insurance for your car accident injuries, brought to you by the best car accident lawyer in Las Vegas, NV:
Understanding your deductibles
The first major factor to consider after an accident is your deductibles for treatment and care. Before you are eligible for care, your deductibles must be met. Most medical practitioners will first provide the required treatment while simultaneously working with insurance providers to determine financial responsibility.
Use auto insurance as your first defense
The initial payments rendered following an accident will be charged against the auto insurance provider. The State of Nevada mandates drivers to hold liability coverage on their policy at all times, on any vehicle they drive. Liability protection pays a percentage of medical bills acquired for injuries associated with an accident. Depending on who is liable for the crash, either your personal policy or the policy of the other driver will be used to cover the percentage.
Unfortunately, these policies cover very little. On average, liability insurance covers anywhere from $15,000 to $50,000 worth of damages. Although that may seem like a good chunk of change, it is relatively small when you take into consideration the average cost of medical care.
Moreover, if you are required to use your personal policy for this coverage, you will be required to pay, at a minimum, 20 percent of the medical bills until the maximum is reached. Once the maximum is met, you will be responsible for the remaining healthcare bill.
Using personal health insurance
Once every other form of insurance has been met for your auto accident, you should explore the option of using your personal health insurance as a second line of defense. Like your car insurance policy, you will be required to meet the deductible before the insurance company commences coverage on your treatment. You may also be required to pay co-pays if required by your provider.
It’s important to note that not all policies are alike. Different policies hold different coverage limits, so understanding your health and auto insurance is critical to your financial health.
In certain cases, your lawyer can arrange a payment guarantee with your medical providers upon case settlement. These payment arrangements remain separate from any payments or other financial obligations required by your health insurance provider.
Your health insurance provider will require reimbursement for anything that they paid out on your behalf due to the accident. Reimbursement will be deducted directly from your settlement amount, which can significantly reduce the compensation you are entitled to.
Most every health insurance policy contains a clause that demands reimbursement for care provided for an auto accident from the negligent party’s insurance. If your health insurance is Medicaid, Medicaid will seek reimbursement at a federal level.
Getting help from an injury lawyer
Your best option to successfully navigating the system is to protect your rights as a victim of a personal injury and seek quality legal representation from an experienced lawyer. An attorney can help you manage and fight against the insurance companies to ensure you retain the highest settlement amount possible. Moreover, your lawyer will handle all insurance matters on your behalf so you do not have to.
Hiring an injury lawyer is the single most important thing you can do to ensure a prosperous financial recovery. If you or a loved one has been injured in an auto accident, please contact The Injury Firm at (702) 800-0988 for a free, no-obligation case review.