Health Insurance To Pay My Medical Bills For A Motorcycle Wreck Which Wasn’t My Fault. Is This Fair?
It is not fair. However, you have to understand that the law endeavors to be fair but does not succeed. First, you need to understand that there is no guarantee in the law that the other driver has enough insurance to cover the medical bills you incurred as a result of his negligence. Again, my job as a personal injury lawyer is to maximize what they have in coverage and try to recover that on your behalf, but also to minimize these deductions. One of the ways we do that is by using your health insurance. Your health insurance has a right to recover the money they pay, not the billed amount of medical expense. So if a hospital bill is $10,000 and the health insurance pays $3,000 to satisfy it, they have the right to recover the $3,000 and not the $10,000. In effect, when we do that and use the health insurance lien that way we are effectively putting more money in your pocket for the net settlement.