Health Insurance in DC Motorcycle Accident Cases

It is important that you understand the impact of health insurance in DC motorcycle cases. Following an accident, health insurance can help you recover from your accident by assisting with the medical bills. When you are injured, it is essential that you are able to get the medical treatment you deserve and health insurance can help ensure that that is a possibility. To learn more, contact a seasoned motorcycle accident lawyer today.

When Someone Does Not Have Health Insurance

When someone is in an accident and they do not have health insurance, then they will still be able to get treatment thanks to EMTALA law. However, the individual might have seriously expensive medical bills after receiving treatment. Depending on the severity of the injuries following the motorcycle accident, the person may be facing bankruptcy.

Medical treatment is expensive and someone without health insurance will have to pay for all the medical expenses out of pocket. It is important to remember that medical care is not cheap.

Benefits of Having Health Insurance Following an Accident

The major benefit of having health insurance after a motorcycle accident is that the individual will not have to pay for all the medical bills out of pocket. Also, the health insurance company will negotiate rates for the injured person. For example, if a person does not have insurance and the go to the emergency room, then they are going to be billed $1,000 just to be seen. Now if someone does have health insurance, then the hospital will bill the health insurance company $1,000, however, the health insurance company may already have a deal in place where they only have to pay them $200. This means an injured person with health insurance will only have to pay a small portion of the money the insurance company agreed to pay the hospital.

Reimbursing Insurance Companies Following a Settlement

Health insurance in DC motorcycle cases plays a major role in the settlement process. Typically, insurance companies get a third of the total recovery that the injured person received. Health insurance companies have a statutory right under federal law and policies to receive part of the settlement.

Motorcycle Accidents’ Impact on Insurance Rates

Following an accident, the individual’s insurance rates are going to go up because they have shown that they are a high risk. Also, riding a motorcycle is more of a high risk for an accident than driving a car is. If a person rides a motorcycle and they get into a wreck, then their rates are going to go up because they have shown a tendency of not being a safe driver.

Importance of Obtaining a DC Personal Injury Lawyer

If you were in a motorcycle accident, it is imperative that you seek the services of a well-established lawyer. An experienced attorney will know how to talk to the insurance companies in order to negotiate a more favorable lien reduction. A lawyer is able to do this because they deal with insurance companies day in and day out. For more information regarding the role of health insurance in DC motorcycle accident cases, reach out to a dedicated lawyer today.