Having health insurance after being involved in a motorcycle accident may make it easier for a person to get the treatment they need a little bit quicker. This is because the doctors are able to bill the health insurance company and get paid.
If a person does not have health insurance, then the other driver is going to be responsible for his or her medical bills which will only be paid out after the claim resolves. Medical bills will become a part of the injury claim regardless of whether a person has health insurance.
Without insurance, the motorcyclist’s medical bills may not get paid until the whole claim resolves, which can take anywhere from six months to four years. When an individual is dealing with doctor’s offices, the doctor has to be willing to treat a person knowing that they may not get paid for six months to a few years.
While there are often doctors that understand the way the system works and would be willing to treat based on that condition, it may be just a little bit difficult to get the treatment that a person needs without a Cherry Hill motorcycle accident attorney’s help.
Parties Responsible for Payment
It is important to know whether a person has health insurance for the attorney who is investigating the motorcycle accident claim, simply because his or her health insurance company may be responsible for paying some of the medical bills. If a person does not have health insurance, it changes who may be responsible.
In the state of New Jersey, a lot of times if someone is involved in a motorcycle accident, the first party responsible for paying the medical bills is going to be the individual’s motorcycle insurance policy. Usually, a person has $5,000 to $10,000 in med-pay that will pay for that first amount of medical bills.
After the motorcycle insurance money is all used, the next party responsible would be a person’s health insurance if they had it.
If an individual does not have health insurance what then will happen is any medical bills that are incurred or any future medical treatment that is needed would become a part of the injury claim against the other driver. The at-fault driver for the accident would then be responsible for all of his or her medical bills.
Challenging the Insurance Company
If an individual’s health insurance company decides to assert a lien against the case, then specific action must be taken. The insurance company may state that the medical bills they paid for related to the action, and the action was caused by someone else, therefore, they want to be paid back. In that situation, all of the medical bills that the health insurance company paid would become a part of the claim to pay the health insurance carrier.
As far as paid sick leave, that does not limit an individual’s recovery. An attorney will always argue that paid sick leave, which a person had to use because of the accident, could have been used for other things. An individual could have either accumulated it and carried it over to subsequent years, or could have used it to take other time off. Therefore, an attorney would include that paid sick leave as part of their damages so that is not going to limit a person’s recovery.
Reimbursement Procedure
When a health insurance company asserts a lien against a case, they are not asking a person to reimburse them. They are stating that if they paid medical bills related to the claim and it was the other individual’s fault, then they would like to get paid back.
Essentially, the insurance company will piggy back on top of the lawsuit. The lien that they are asserting would get added to whatever amount of damages an attorney felt a person’s case was worth. Such, they are not being paid back by the injured party, but are adding onto an existing claim to be able to be reimbursed for their payments.
Proving the Claim
The amount that the insurance company typically asks for will depend on how much they have already paid. There are also laws in the state of New Jersey that govern this process, but it is quite complicated. Due to the possible change in health insurance rates an individual may face after a Cherry Hill motorcycle accident, they should seek out an attorney as soon as possible.
Further, the health insurance company may not have a valid lien. Simply because they said that they want to be paid back, it does not necessarily mean they are entitled to be paid back. There are things they must be able to prove before they are entitled to that. Usually, the amount they are asking for encompasses every dollar that they have paid towards the individual’s medical treatment.
Influence on Rates
The person’s health insurance rates may change after a Cherry Hill motorcycle accident simply depending on the facts of the accident.
If a person was deemed at fault for the accident, or if a person receives any motor vehicle violations that carry any points as a result of the accident, that certainly can increase a person’s insurance rates.
Role of an Attorney
An individual does not need to do anything in particular with their health insurance company as long as the health insurance company is paying for their medical bills following the motorcycle accident. What a lawyer would do is put a person’s health insurance carrier on notice of our possible lawsuit and ask if they are going to be asserting a lien against the case.
If so, the motorcycle accident attorney would make the health insurance company prove their lien is valid. If the lien is valid, the attorney will get the lien amount and make that a part of the accident claim to get it added onto whatever damages have been sustained.
Testimonials
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This team is incredible. They are friendly and knowledgeable. I appreciate everything they have done for me and would recommend them to anyone. Overall great experience
Testimonial from Paul D. -
My case settled recently after lasting 4 years. Grungo and Colarulo’s law firm were able to secure a large settlement award for my slip and fall accident. This money will help secure my future for the permanent injury I received as a result of the slip and fall. Everyone was very caring, and kept me informed throughout the entire process. Christine Lafferty is an excellent litigation lawyer. I highly recommend using them if you have been injured or in an accident. I hope I am never in a situation again to need their services, but I know who to go to if I, or any of my family members are ever injured. Thanks Grungo and Colarulo and staff for your compassionate service!
Testimonial from Pamela A. -
Thank you so much Grungo and Colarulo for helping me with my case. Special thanks to Erica Domingo, Esquire and her team. Erica Domingo and her team was very nice and helped me tremendously throughout my case like more than one year and half. They gave me the right advice and guided me through every step of my case. They gave me prompt and clear responses to all my questions. In addition, Erica and her team provided me with all the what if scenarios so that I can have a clear vison of the steps ahead.
I would definitely recommend Grungo and Colarulo.
Thanks again Erica Domingo, Esquire and her team
Testimonial from Ahmed A. -
My wife and I reached out to Grungo Colarulo in 2020 for advise on a legal matter. After a meeting with the Attorney and Paralegal, we decided to go forward with a case. This case required a lot of documentation, and expert review of the documentation which was aquired. Throughout the process, we were kept up to date monthly, and Grungo Colarulo was always responsive to any questions that we had. The entire staff at Grungo Colarulo are very professional, caring, and willing to go the extra mile. This firm is a definite recommend!
Testimonial from Patrick G. -
I left five (5) stars only because that’s as many as I could leave. If I could, I would have left 100 stars. Bob & Christine are the absolute best! My settlement far exceeded what I ever imagined. They are professional, friendly, and really listened to what I had to say. They kept me up to date with the progress of my case every step of the way. I can’t recommend them highly enough.
Testimonial from Sheila L. -
Very professional, communicates well, makes me feel like they have my best interest at heart, and overall just a great company. Christine and the whole team has been on top of everything. Would definitely recommend!! 10/10
Testimonial from Michael M. -
First and foremost I would like to thank the whole team at Grungo Colarulo!! In addition to that, Stephanie & Riley & Drenna have done such an outstanding job taking care of me in such a difficult and low point of my life. I was in a bad car accident & did not know how to move forward with what to do and how to process. Those ladies were there every step, every inch, every mile & beyond with helping me when I had no idea how to navigate. I will forever be thankful for them and for the outcome of my case! If you ever need assistance I highly recommend this practice!!! Beyond professional, helpful, precise, caring, knowledgeable & humble!!!
Testimonial from Rachel F. -
From my first phone call to the end of my case this firm was on the ball!! Always responsive and professional and kept me up to date and informed. This is my firm for any future needs!
Testimonial from Jeffrey F. -
This was my first time ever having to have a lawyer for an automobile accident. From the beginning they took care of everything. They put me at ease so I could concentrate on my medical needs. Everyone I spoke to during the process were always extremely pleasant and knowledgeable.
Thank you to Grungo Colarulo for representing me and getting the settlement you did to help me move forward. I would highly recommend Grungo Colarulo to anyone who wants outstanding legal representation.Testimonial from Pat G. -
This team has been nothing but gentle an generous. Being as this was my first time dealing with a worker’s compensation case I was lost and nervous. But the Grungo Colarulo team has made me feel as comfortable as possible. My needs were addressed with care in a timely fashion. I knew what was going on every step of the way.
Oh, did I mention, WE WON …This teams knowledge of the industry is TOP NOTCH!
Testimonial from Aminah M. -
A dear family friend referred us to a young attorney named Rich Grungo, Jr. We wanted answers and if necessary, justice for our father. From day one of a five-year journey, Mr. Rich Grungo, Jr. made our family and our pain his own. The man never stopped working for us. He kept us informed every step of the way. Questions were answered quickly and with great compassion and expertise. Even though Rich was always busy, he was never too busy for us. We always felt like we were his only clients
Testimonial from Mickey -
I had the opportunity to observe Mr. Grungo work in this case, both in the courtroom on the technical matters of the motions and also as his presentation to the jury in opening and presenting witnesses as well as utilizing animations… and drawings and films that were necessary for a proper understanding of the case…At all times during the presentation, Mr. Grungo operated mostly without notes and questioned the witnesses in a conversational manner which made it most effective. **
New Jersey Superior Court Judge Testimonial -
Thank you for everything. I honestly felt like you treated my son like he was your own son, for that I am grateful. I would recommend your services to anyone. Thanks for being so awesome to both of us.
Testimonial from HD -
It was a pleasure working with Bill. He constantly kept me informed. I would recommend Bill and his firm to anybody I know. They’ll be in good hands.
Testimonial from Gregory -
I had the opportunity to retain Mr. Colarulo for a vehicle accident I encountered. I give him my highest recommendation for anyone in need of an excellent Personal Injury Attorney. Not only does he have an in depth knowledge of the legal field, but he emanates a sense of trust-worthiness that makes you feel secure during the entire process. Mr. Colarulo has the knowledge, drive and enthusiasm that will get the job done for you. He comes highly recommended.
Testimonial from Denise -
Hi Rich, Well I’m on my way up to college to finish packing my son’s stuff up and to go to his Graduation tomorrow. It’s hard to believe how fast and how slow, at the same time 5 years can go by. I was just thinking of you as I am getting ready to leave and wanted to thank you once again for everything you have done for my son’s future. You are a good and just man. God Bless to you and your family.
Be Well,
Testimonial from Bob
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