So after your car accident, you didn't think there was a need for a Virginia personal injury attorney to handle your case, and collect what was due to you. Sure, you saved a couple bucks - Beware though, it is possible that a health insurance company may want you to reimburse it out of any personal injury recovery if your medical bills were paid for with an employer’s health plan. In these cases, it turns out that your insurance was actually more like a loan.
I'll be honest with you, always make sure to read the fine print - it's right there in front of you, and tells you what you could be facing from the greedy insurance companies!
In some states, including Virginia, there are laws prohibiting such claims, but companies may make the claims anyway. The key word for you here is “reimbursement or subrogation,” and your attorney must understand all the implications of Virginia law on your case.
The truth is that many people calculate a number that may be close to what they believe makes sense to their medical bills. Just because you saved money by settling your case by yourself doesn't mean you are in shallow water just yet.
I'm assuming that in the mean time your medical insurance company covered your bills, as they should have. Here's the problem, and where most people fall short of success with proper compensation for their personal injury case! You have to factor into the total amount how much your medical bills were.
Why you might ask? Well, subrogation means that you WILL pay back your insurance company for all the bills they covered on behalf of your policy. Think about it - you can't just suddenly profit like you won the lottery from a Virginia personal injury case! This is why taking on a board certified personal injury attorney is the best choice!
Make sure you are educated on your case, and that your lawyer is ready to tackle ERISA complications.
For additional information, and more insurance company tricks, click on this link for a FREE copy of The Five Deadly Sins That Can Wreck Your Injury Claim.
If you have a question for Ben, you can submit it confidentially online at JustAskBenGlass.com.