After a car accident, if you seek medical treatment and use your health insurance, you may owe money to your health insurer if you receive a settlement of a judgment. This is referred to as a health insurance lien on your personal injury case.
Every health insurance policy is different but occasionally an insurer will demand that you pay every cent of the lien back “according to the policy.” At this point, it is customary for me for request a copy of the full policy and other plan documents to ensure that health insurance carrier is indeed entitled to the full amount, as opposed to a reduced amount.
If the plan administrator fails to provide the requested documentation in the appropriate time, there are significant financial penalties that could reap a greater recovery for YOU.
To increase your potential recovery after an auto accident, it’s important that you consult with a knowledgeable attorney in insurance matters.
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