Health Insurance and Automobile Accidents

Health Insurance and Automobile Accidents

Clients frequently ask how their bills will be paid throughout their medical treatment following an automobile accident. As previously discussed in our blog posts, medical payments coverage will pay for medical expenses throughout your treatment following an automobile accident, whether you are at-fault or not. Another way to get your bills paid throughout the treatment process is through your own health insurance. Our goal is to utilize all other payment options before having to pay for any treatment out of your pocket.

With health insurance, there is a chance of Subrogation depending on the language in your health plan or if it is a self-funded ERISA plan. All self-funded ERISA plans must be reimbursed from the settlement proceeds. Certain health plans stipulate in the details that if you are part of a third-party liability claim (car accident for example) that the health plan has a right of reimbursement. If your health plan does require reimbursement you have to realize that your health plan likely paid significantly less than the gross bill. For example, if you have a doctor’s bill for $1,000.00, your health insurance plan likely pays $300.00 and write’s off the majority of the balance. If you are required to reimburse your plan, you are responsible for the $300.00 and not the gross bill of $1,000.00. So you have saved yourself $700.00 that you would owe otherwise. If you have insurance, use it!

If you have been injured in an automobile accident, call 706-353-7722 for a free consultation with an experienced attorney, Joseph E. Lariscy. Mr. Lariscy has been practicing in the greater Athens area for more than 30 years and he fights to get the best settlement for your case.

Post-Automobile Accident – Who Will Pay My Bills? Part 2

Our last blog went into detail regarding Underinsured/Uninsured Motorist Coverage and this blog will cover Medical Payments Coverage, abbreviated as Med-Pay, in Georgia. Med-pay is an inexpensive add-on to your automobile insurance premium. If you are ever in an accident, regardless of who is found at fault, med-pay will kick in and pay accident-related medical bills. Besides health insurance, this is only other way to have medical bills covered until you reach a final settlement.

Med-pay is a very beneficial add-on to consider adding to your automobile insurance policy just in case you’re ever in an accident. If you have been in a personal injury accident, call 706-353-7722 for a free consultation with an experienced attorney, Joseph E. Lariscy. Mr. Lariscy has been practicing in the greater Athens area for more than 30 years and he fights to get the best settlement for your case.

Post-Automobile Accident – Who Will Pay my Bills? Part 1

Post-Automobile Accident – Who Will Pay my Bills? Part 1

 

With many of our automobile accident clients, we are asked who will pay for the medical expenses while treating? Why should I pay the copay? If I have and use health insurance, why would I have to pay them back since I am paying the premiums? 

 

In the state of Georgia all drivers are required to have liability insurance of $25,000 per person and up to $50,000 per accident, more commonly expressed as $25/$50. Georgia also offers a couple of other beneficial insurances that are not state mandated for drivers, such as under or uninsured motorist (UM) coverage and medical payments coverage (med-pay) and are well worth the small increase in monthly premiums. 

 

First UM, for example, takes affect if a Georgia driver is in a collision with an at-fault driver that only has the state minimum in insurance of $25,000 and your medical care exceeds the available liability insurance. Then your attorney would seek recovery from your automobile insurance company through Underinsured or Uninsured Motorist Coverage. It is a common misconception that if you are forced to use your own coverage that your rates will increase and that is not true. You pay for insurance to kick in in these types of situations, so if you need to use your own insurance do not hesitate.

 

The only downside is that you will not see a dime from Under/Uninsured Motorist Coverage or the liability carrier until you’ve completed treatment and your attorney has settled your claim or after a trial. In the meantime, how can you afford to continue medical treatment? Please stay tuned to learn more!

 

If you have been in a personal injury accident, call 706-353-7722 for a free consultation with an experienced attorney, Joseph E. Lariscy. Mr. Lariscy has been practicing in the greater Athens area for more than 30 years and he fights to get the best settlement for your case.

Traumatic Brain Injuries Due to an Automobile Collisions

One of the most challenging and frightening injuries a victim of an automobile collision can sustain is a Traumatic Brain Injury. Traumatic Brain Injuries are classified as mild, moderate, and severe. These types of injuries can be the most difficult to diagnose properly. If you have suffered a head injury due to the negligence of another, you will want to hire an attorney that has the ability and experience to help navigate you through such a troubling time.

A Traumatic Brain Injury affects one or more area(s) of the brain and can cause impairment of memory, ability to communicate, vision, balance, and mobility. Initially, a traumatic brain injury may seem fairly minor, but over time can lead to possible disabilities and/or personality changes and become much more serious. A traumatic brain injury is not easy to diagnose compared to, for example, a broken bone, and that aspect of this particular type of injury certainly impacts how this type of case is handled.

These types of injuries require an experienced attorney that will put your best interest above all else. Attorney Lariscy will be able to help determine if you have a valid claim for relief, meaning your injury was caused due to another driver’s negligence. From that point, The Lariscy Law Firm encourages clients to get all of the necessary treatment possible and will help guide you through the legal aspects, as well as dealing with the liability insurance company, your automobile insurance company, and your health insurance provider to ensure the best possible outcome for you.

If you have suffered from a Traumatic Brain Injury you can expect to be compensated for the following:

  1. Medical Expenses
    1. From the date of the automobile collision, you should expect to be compensated for all medical bills incurred due to the other driver’s negligence. Beyond the date of the accident, the majority of other available treatments for this type of injury should also be covered, such as specialists, physical therapy, occupational therapy, and in certain cases psychological therapy. Due to the seriousness of the injury and the impact a Traumatic Brain Injury can have on an individual, it is likely that you will need ongoing treatment after your case has settled, referred to as future medicals. Future medicals are based on your ongoing and consistent treatment and you should be compensated for this as well.
  2. Pain and Suffering
    1. Pain and Suffering is always considered in an automobile accident case, but in regards to a Trauma Brain Injury the pain and suffering can be much more significant. Pain and suffering is a broad term, but essentially it is intended to reimburse a victim for the loss of enjoyment of life, emotional suffering, physical pain, and sometimes even things like gas and mileage from traveling to and from doctor’s appointments. In a traumatic brain injury, you can include suffering from Vertigo spells, chronic headaches, and change in personality as long as a medical professional agrees these issues are a result of the automobile collision.
  3. Loss of Consortium
    1. If the victim of a Traumatic Brain Injury due to an automobile collision is married, the spouse may have a valid claim of Loss of Consortium in Georgia. This simply means that if the victim has medical treatment that interferes with the family’s day to day life to a loss of intimacy in a marriage, the spouse likely has a valid claim and may be compensated for their loss as well.
  4. Loss of Wages and Loss of Potential Future Wages
    1. If a Traumatic Brain Injury from an automobile collision occurs it is highly likely that you will miss work. You should have a valid loss of wages claim as long as a medical doctor says you cannot work and you can show the amount of wages lost due to missing work from the accident. If a brain injury occurs and causes you to lose the ability to do your job properly, you may try to seek a loss of wages claim for future potential income in addition to loss of wages for missed work.

Spine, Neck, and Back Injuries

The human anatomy of the back is very complex and is made up of tendons, ligaments, muscles, nerves, and bones. Injuries to any part of the back, whether it be a soft tissue injury or much more serious such as a spinal cord injury, are some of the most debilitating injuries one can sustain in an automobile collision. A torn muscle can render a typically healthy person bed ridden and cause you to miss work, require physical therapy and medication in order to improve. If an injury to the spine occurs it can cause a plethora of life changing disorders, such as paralysis, which would require lifelong medical care on top of the traumatic change of life to the victim and their loved ones.

Whether you sustain whiplash or a severe spinal injury, The Lariscy Law Firm will help take the burden of dealing with insurance companies and all legalities involved so that you are able to get the proper treatment. Attorney Lariscy will not only help guide you through this difficult time, but he will fight to ensure the best outcome for you and your family.