Our Family Helping Yours

Schedule A Free Consultation

Will Health Insurance Be Enough After A Car Accident?

After suffering an injury in a car accident, people with health insurance often feel lucky that their policy will cover their medical bills. Unfortunately, they often discover that the insurance policy they thought would protect them falls short of addressing all the costs.

Deductible, Copay And Coinsurance

For most people, insurance is not going to cover all medical bills. First of all, there is the deductible that the policyholder has to meet. This could be as high as $5,000 or more, depending on the policy. There may be a copay, a set amount that the policyholder has to pay for doctor visits and other services or prescriptions. There may be coinsurance as well. For example, in an 80/20 insurance policy, the policyholder would have to pay 20 percent of all medical expenses, up until an out-of-pocket maximum is reached.

Not surprisingly, with the high cost of treatment for the types of injuries suffered in car wrecks, these costs can end up being quite high for the victim.

Lost Wages And Other Expenses

Of course, for most people who are injured in a car crash, the costs extend beyond the medical bills. A person may miss many hours of work due to the injuries and lose out on wages. The injuries may even be severe enough that they are not able to return to their previous job. Then there are the noneconomic costs, like pain and suffering.

Are There Any Other Options?

If a car accident was caused by another driver's negligence, the victim may not have to rely solely on their health insurance to cover their expenses. They may be able to file a personal injury claim and seek compensation for all of their expenses from the negligent driver's insurance company. In these cases, the victim's health insurer may cover medical costs initially, but through the car accident claim he or she can pursue compensation for all medical bills, lost wages and even the pain and suffering incurred.

No Comments

Leave a comment
Comment Information
Email Us For A Response

Get A Free Consultation

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

Scardina Law

Scardina Law
1245 E. Colfax Ave.
Suite 302
Denver, CO 80218

Phone: 303-502-5540
Fax: 303-845-5594
Denver Law Office Map