Most accident victims believe health insurance is for the purpose of protecting the individual from injury and illness. They believe that if they have an injury disease that the premiums they pay are used for the purpose of paying when the need arises. The problem is that not all injury or disease is look at the same way.

When an individual suffers a serious injury or illness that is caused by another persons’s negligence the insurance company will promptly tell the insured to submit all information regarding the third person that caused the harm. The purpose of this is to notify the liability insurance carrier of the third party that benefits were paid and that they have a lien.

A lien is a charge against the victims claim and requires that the lien be paid before the victim receives any compensation. The injury victim is often shocked and surprised to know that the insurance premiums were not enough. Some cannot believe that is true and consult an attorney. The personal injury will deliver the bad news and tell the injury victim that yes, generally speaking you have to reimburse your health insurance.

Contrary to popular belief personal injury attorneys work hard to protect consumers and are constantly working to help the injury victim obtain compensation for the injuries suffered. The health insurance carrier on the other hand is naturally looking for ways to increase profits. The health insurance carriers have not shame and in some instances have insisted on leaving the injury victim with nothing. That is right nothing ! There have been cases that have resulted in extensive litigation, because the health insurance carrier wants to leave the injury victim with nothing.

A catastrophic injury accident often results in inadequate compensation for the victim. A lot of false stories have been published that result in widespread myths about how anyone can cash in by simply bringing a personal injury lawsuit. The reality is that jurors are everyday normal intelligent people and they make awards based on the evidence presented. Step two is collecting a verdict. The problem is that the vast majority of people are just getting by. The insurance policies of individuals and particularly drivers are very small. In California the majority of drivers have a 15,000 policy. So what happens when someone suffers a very serious injury ? They may have a deductible of several thousand dollars, the attorney will charge a percentage of the recovery, and the health insurance carrier may have paid 15,000 in medical bills and wants the whole amount back. The injury victim is then left with nothing. A good personal injury attorney keeps up with the latest developments in the law and often goes beyond the contractual obligations and ethical duties and fights for the injury victim to get the victim some justice. Sadly it is just some justice, not complete justice.

A catastrophic injury is something that is very complicated and requires attorney representation. There will be two insurance companies or more, at least one will not want to pay what is fair and the other one will want to take more than what is fair. These are complicated problems that should be addressed very early on with the assistance of a personal injury attorney.

Get a free consultation on your catastrophic injury and be sure of your rights.

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Author Bio: Get a free consultation on your catastrophic injury and be sure of your rights.

Category: Legal
Keywords: personal injury, insurance reimbursement, health insurance reimbursement, accident, injury