If you have been injured in some type of motor vehicle accident in Hartford,
Connecticut one of the questions that you will want answered is who pays my
medical bills? The answer to this question depends upon many different
factors and circumstances. The first issue that needs to be addressed is one
of liability. Were you more than 50% at fault for the accident? If the
answer is yes then you must proceed in one direction but if you are less
than 50% at fault then there is a separate direction. Another issue is what
type of insurance coverage is available to you?
If you have medical payments coverage available to you, then your medical
bills would first be submitted to your motor vehicle insurance carrier for
payment. You might be surprised to learn about what types of accidents might
be covered under your medical payments coverage. For example, we represent a
gentleman who was hit by a car, while a pedestrian in a parking lot, and all
of his medical bills are being processed through his motor vehicle insurance
carrier’s medical payments coverage. This is despite the fact that he was
not in a motor vehicle at the time he was hit.
If you do not have medical payments coverage available to you, then your
medical bills would be submitted to your health insurance carrier for
payment. Before your health insurance carrier would pay your bills, you
would typically need a letter from your motor vehicle insurance carrier
either indicating that you do not have medical payments coverage or that
your medical payments coverage has been exhausted. Your health insurance
carrier would then pay for your accident related medical bills. The question
of whether or not you have to repay your health insurance carrier depends
upon a number of other separate factors.
So what happens if you do not have medical payments coverage, and you do not
have health insurance coverage? Many people think that you can just submit
your medical bills to the insurance company of the person that caused the
accident and they will be processed immediately. Unfortunately, this usually
does not happen because the insurance company of the person that caused your
accident wants you to suffered some type of financial hardship so that you
will want to settle your case for less than full value because you are in
need of the money.
One alternative, if you do not have any type of insurance coverage available
to you, is to find a doctor who will accept a letter of protection. A letter
of protection provides that your doctor will treat you for your accident
related injuries, if you and your attorney agree in writing, to reimburse
the doctor for any and all charges related to your medical care and
treatment for your accident related injuries. It would be difficult for you
to have a doctor treat you under a letter of protection unless you were
represented by a Hartford, Connecticut personal injury lawyer.
There are also a number of other considerations that must be taken into
account when dealing with insurance companies and the payment of your
medical bills. For example, are you legally obligated to repay your health
insurance carrier for the medical bills which they paid as a result of your
accident related injuries? You might be surprised to learn that in most
cases you will not have to repay these funds. Additionally, what credits
would you be entitled to for insurance premiums that were paid to acquire
this coverage under the collateral source rule?
To get answers to these very important questions and to better understand
what you need to be doing and what you should not be doing after your Hartford,
Connecticut motor vehicle accident case, please visit our website at
www.HCWLAW.com and download a free copy of our book or call our toll-free
number at 888-842-8466 and speak with one of her experienced Connecticut
personal injury lawyers and accident attorneys at the earliest possible
moment. Do not delay, get this valuable free information today!