| If you or a loved one has suffered an injury, | | | | proceeds of the third party injury settlement or |
| whether from a car accident, slip and fall accident, | | | | award. This prevents the victim from a double |
| or some other type of incident it is extremely | | | | recovery. Double recovery would mean that the |
| beneficial for the accident victim that has their | | | | victim's bills would be paid, and they would keep |
| own health insurance coverage. Personal health | | | | the award for those same bills. Obviously if there |
| insurance is helpful even if the negligent third | | | | is no personal injury monies paid out by the |
| party responsible for the injury will be ultimately | | | | negligent party then there is no duty to reimburse |
| covering your related medical bills. | | | | the health insurance for what they have paid out. |
| With few exceptions the responsible party's | | | | Often time's car owners have medical payments |
| insurance company will not be making any | | | | benefits ("med-pay") under their automobile |
| payments until the injury case comes to a final | | | | insurance policy. Med-pay benefits require the |
| resolution. Consequently, having ones own medical | | | | automobile insurance company to pay reasonable |
| coverage permits greater latitude in obtaining the | | | | and necessary medical bills for any of the injured |
| necessary and appropriate medical care and | | | | occupants of the car up to the predesignated |
| provides a wider range of choices when it comes | | | | limits of the contracted benefits. In the past, |
| to medical providers for your injuries. Without | | | | many insurance companies did not have |
| personal insurance an accident or injury victim | | | | reimbursement clauses in their car insurance |
| must rely on their attorney to locate the | | | | policies. Today most, but not all, car insurers have |
| appropriate care for the victim. This may include | | | | the right, per their contract of insurance, to |
| not only doctor referrals, but referrals in the | | | | reimbursement of monies paid out by them from |
| correct medical specialties in a convenient locale | | | | the proceeds of the injury victim's third party |
| for the victim to undergo treatment for their | | | | settlement or award. |
| accident related injuries. From time to time it is | | | | In most cases, the funds subjected to |
| difficult to source such a health care provider, | | | | reimbursement are reduced by the same |
| particularly if the victim is in need of surgery. | | | | percentage as the victim paid in attorney's fees. |
| The most typical types of insurance that an | | | | In some cases the personal injury attorney may |
| attorney sees is either work related health | | | | be able negotiate a greater reduction in the |
| insurance, and, or, any medical payments | | | | reimbursement amount. It is important to consider |
| (med-pay) benefits under the victims own | | | | the benefit reimbursement issue when calculating |
| personal motor vehicle insurance policy, if a car | | | | what the net settlement that may be received |
| accident related injury. In the case of personal or | | | | by the injury client. An experienced personal injury |
| work related health insurance, the money that is | | | | lawyer can best advise their client on all matters |
| paid out to settle the medical bills of the accident | | | | surrounding insurance issues and the |
| victim are typically reimbursable out of the | | | | reimbursement issue. |