As pre-eminent Santa Rosa car accident injury lawyers, we receive many phone calls and e-mail messages asking us about medical insurance and personal injury liability coverage on auto insurance policies. There is often confusion about which insurance to use for medical treatment following an accident.
When receiving medical care following an accident, present both insurance cards to the intake staff. In general, the emergency room, hospital or your doctor's office will bill your general health care insurance first. If you exceed coverage limits on your health insurance plan, your health care provider will submit the bill to your auto insurance policy for payment. If you do not carry health insurance, the health care provider will submit directly to your auto insurance for payment.
Subrogation
Any insurance payments made for medical care are ultimately the responsibility of the person found to be liable for payment. In other words, if the other driver is found to be at fault for your accident, it is his or her insurance company's responsibility to compensate you for damages. However, your insurance company may seek reimbursement for amounts paid on your behalf from any settlement or judgment you obtain. This is a very complex area of the law and depends primarily on the language of your health or auto insurance policy. Failure to properly handle this aspect of your claim can lead to the loss of your benefits or a lawsuit filed against you.
Contact a Santa Rosa Lawyer Today!
Whether you are seeking benefits from your own auto insurance policy, coverage from your medical insurance or compensation from another insurance company, dealing with the negotiations and policy requirements is time-consuming, complicated and often frustrating. It should come as no surprise that the insurance company is not on your side after a serious injury — even if you have been paying premiums for years. At Shapiro, Galvin, Shapiro & Moran, we level the playing field and give you a voice for a full and fair settlement. When we sit down to negotiate a claim settlement, we have your case prepared to go to trial, if necessary. Turn your claim over to us. We will handle everything, so you can concentrate on recovering your health.
Free Case Evaluations in Santa Rosa
Learn more about auto insurance and health care insurance. From offices in Santa Rosa, we represent clients in communities throughout the San Francisco Bay Area and communities throughout Northern California. Call us toll free at 866-350-9365 or contact us by e-mail to arrange a free consultation with one of our experienced Santa Rosa car accident injury lawyers today.
