File Health InsuranceA Look Into Why Filing Your Health Insurance After An Accident Can Be Valuable

It’s hard to understand why you should submit your medical bills to your own health insurance coverage after an accident that was not your fault. Unfortunately, the medical providers do not care if the accident was your fault or that of a third party. The medical providers only care that you have sought treatment at their facility and you now have and outstanding balance.

Below are some common reasons you should file health insurance  if you’ve been in an accident:

  1. Keeps the medical providers from hounding you for payment of their outstanding bill.
  2. Keeps medical providers from turning you over to a collection agency or worse; garnishing your wages, filing a judgment against your personal property; or filing a lien with the State of North Carolina against any tax return monies that the state may owe you.
  3. It puts more money back in your pocket at time of settlement if there are NO outstanding medical bills to be paid.

If your health insurance is a self-funded or an Erisa plan they will subrogate back against any third party recover that you may receive. To find out more about what happens after you file health insurance and the responsibilities you have today back the lien after your settlement visit the NC Legislature Website.

Keep in mind each state is different in the way the auto accident insurance company looks at the value of your claims and filing your health insurance may lessen the monetary value of your claim. It’s important to consult with your North Carolina Personal Injury Attorney for more information on how to proceed if you’ve been in an accident. Our experienced attorneys have been helping innocent victims for nearly 20 years and we know how difficult it is to be in the position you often find yourself in. With convenient office locations in Charlotte, Gastonia, Hickory and Rock Hill, SC we’re just a short distance away. For immediate free consultations call us today at 704-333-0885.

Written by Donna Schwan, Personal Injury Case Manager, Campbell & Associates, Attorneys at Law