Medical bills need to get paid one way or another after an accident. You need the care and treatment for your injuries, but unless you make payment arrangements, the bills just keep coming in the mail with larger balances every month.
Can’t the opposing insurer pay those bills every month?
The law just doesn’t operate that way in California. You’re responsible for the medical bills that you incur after an accident. Even if liability is 100 percent clear, the insurer of the person who injured you has no legal obligation to compensate you for the medical bills that you incurred as a result of the accident until such time as there’s either a settlement or a verdict in your future.
What if my health insurance won’t pay the bills?
Your health insurance might have made itself a secondary payer in the event that you’re in an auto accident and have other medical coverage. Once that coverage is exhausted, your health insurance is likely triggered. Whether your insurer likes it or not, it’s already on notice that you’re being billed for medical services that resulted from a car accident. If that coverage must be used in the future, everything is already there. If both insurance companies refuse to pay, you’ll want to see us as soon as possible. We know how to use “friendly persuasion.”
How do I keep the collection agencies from chasing me?
If we accept professional responsibility on your case, we’ll notify the collection agencies that work for your doctors, hospitals or rehab clinics. We mark our file accordingly, and then they’re paid out of your gross proceeds when your case is completed. You probably won’t ever hear from another collection agency ever again.
What are liens?
In the context of bodily injury cases, a lien is a claim to a right of payment from a health care provider for care and treatment given to a person who was injured in an accident that was caused by somebody else. Notice of that lien is usually forwarded to us. The law requires us to recognize that lien. Again, we mark our files for that lien claimant’s bill and you’ll probably never hear from that creditor again. Many of those providers will continue to treat and care for you as long as they know that we’re on your case. They know that we’re legally obligated to take care of them at the end of your case.
So why can’t I do this myself?
People who aren’t courtroom attorneys know little if anything at all about insurance law, the rules of civil procedure and evidence. Very prejudicial mistakes can be made by people who represent themselves.
Do I have to pay the entire amount claimed on a lien?
It’s entirely possible for us to negotiate medical liens down too. That way you don’t need to pay the full amount claimed. We want liens reduced as much as possible. By doing that, we’re helping you receive as much as possible on your settlement or verdict.
Dealing with insurance companies after an accident is a complicated and tedious job. Your job is to get better. We’ll take care of everything else.Contact us today for a free consultation.