Role of Insurance in Virginia Bike Accident Claims

It is very important for an individual to have health insurance in the case that they are involved in a bicycle accident in Virginia. Very often, health insurance can be crucial through the initial stages, as the individual may be able to recover from the at-fault party’s insurance carrier.

It is important to know what a person’s health insurance options are during a Virginia bicycle accident case, and that a person receives treatment without delay. An individual can best understand their options regarding insurance settlements by consulting with an experienced attorney.

Benefits of Health Insurance

One of the benefits of having health insurance is that an individual does not have to delay in receiving treatment for any injuries. The individual’s health insurance may be able to reimburse them.

Virginia is what is known as an anti-subrogation state, which means if the individual’s health insurance pays for their injuries and it is a certain type of health insurance plan, then they are reimbursed for the injuries that person suffered from the other driver’s at-fault policy or liability policy.

The dues are not automatic, as the individual has to pay back or subrogate their own health insurance company. There is a limitation on this, and the individual should contact an experienced attorney to discuss whether or not subrogation issues are present in a person’s case.

Paying for Treatment Out-of-Pocket

If a person is injured in a bicycle accident in Virginia without health insurance, they may be treated but have to pay a substantial out-of-pocket cost for that necessary treatment.

Other types of voluntary treatments, such as following up with a specialist, may not be available to the person. It may only be available after a period of time if the individual does not have a health insurance to help them out.

Reimbursing the Health Insurance

There are a variety of circumstances in which a person may have to pay back health insurance for services rendered after their bicycle accident in Virginia when it is not necessary to send settlement to the at-fault party.

In Virginia, there is generally an at-fault statement. It is common knowledge that federal law such as ERISA says if an individual is on a specific fine plan they may have to pay it back.

There are a lot of nuances in these types of scenarios, so it is important to talk to an experienced attorney who handles accident cases throughout the Commonwealth of Virginia on a regular basis in order to discuss what an individual’s options are and how these policies may affect their specific case.  Every case is unique. Just because it is a general policy, it does not mean it is necessarily going to have a negative impact on the case.

Impact of a Settlement on Insurance

If the individual is getting reimbursed by their health insurance after a Virginia bicycle accident, then that person is receiving that money as well a settlement based on what their special damages are.

Special damages include medical bills. If a person’s medical bill is $100 and their health insurance says they are going to pay back that money, then the at-fault party says they will also pay back that money as well as an additional amount for pain and suffering, that individual can likely receive all amounts.

There are some scenarios under which an individual has to pay a portion of that pie, but generally, they do not.