Health Insurance in Maryland Bike Accidents
Anyone injured in a bicycle accident can incur significant medical treatment. Therefore, it is imperative for everyone to have health insurance to pay for the substantial cost of medical treatment.
To determine the role of health insurance in your Maryland bike accident, it is imperative that you consult with a lawyer as soon as possible. An experienced Maryland bike accident attorney can help you understand how to proceed legally with your case, and assist in obtaining a successful recovery on your behalf.
Benefits of Health Insurance
The cost of medical treatment can be substantial based upon the nature and extent of the injury sustained by the bicyclist.
It is imperative for everyone to have health insurance in a Maryland bicycle accident to pay for necessary medical treatment following a collision.
Utilizing Insurance
Anyone who has been injured in a Maryland bicycle accident and has incurred medical treatment should utilize their medical insurance for any and all treatment rendered.
People should utilize their health insurance regardless of the cost of the injury. Simply because a person was involved in a bicycle collision does not mean that the use of their insurance is any different than if the medical treatment was required for any other reason.
Paid Sick Leave
A person’s health insurance coverage or paid sick leave does not impact the recovery available to an injured person in a civil case. By the doctrine of collateral source, such benefits are not allowed to be considered in this case.
The payment of insurance or paid time off from work is not considered when evaluating a personal injury case in the state of Maryland.
Lack of Insurance
If a person does not have health insurance, they may be responsible for the payment of all medical treatment incurred as a result of the collision until the case can be resolved by way of settlement or a verdict in trial.
The cost of the medical treatment is included as part of the economic loss claim. It is important for an individual to have health insurance in a Maryland bicycle accident to help ensure they are not responsible for such payments.
Reimbursement Process
The terms and conditions of a health insurance contract along with the law in the state of Maryland often require reimbursement of medical expenses paid by health insurance from the recovery from a third party in a Maryland bike accident.
This means that in the majority of cases in Maryland, an injured person is required to reimburse their insurance company the cost of medical treatment paid by the health insurer.
Generally, insurance companies request complete reimbursement of expenses paid for injuries sustained due to the negligence of a third party.
This is an important issue that must be addressed in all personal injury cases. It is very important for anyone injured to retain the services of a qualified and trained personal injury attorney who can work with both the injured person and their health insurance company after a bicycle accident in Maryland to maximize the recovery available.
Rights of the Insurance Company
The health insurance company involved in a Maryland bike accident is not asking for extra payment; they are merely recovering payments made due to the negligence of a third party.
The insurance company has an independent right to sue the at-fault person to recover the cost of medical treatment incurred. By doing so, the health insurance company involved in an individual’s Maryland bike accident asserts a lien on its insured claim to be reimbursed.
Benefit of an Attorney
A qualified and trained personal injury attorney will evaluate the health insurance lien asserted by the insurance carrier in a Maryland bike accident.
They can advise the injured person as to their requirements pursuant to law in terms of the contract, as well as any other issues that may come up throughout the course of the claim with regards to medical insurance.
