If you have been involved in a bicycle accident, you may need to get in touch with an experienced attorney about the implications of health insurance in Charleston bicycle accident cases. Not having health insurance could play a significant role in obtaining medical attention, as well as paying for extensive treatment.
If you find yourself in a similar situation, be sure to get in touch with one of our dedicated lawyers.
Importance of Having Health Insurance in Bike Accident Case
It is extremely important to have health insurance as a bicyclist. Not only is it vital to have insurance from a financial perspective, but it also allows the victim to have a greater range of services. If they do not have health insurance, they would still be able to receive emergency care, but they would only be treated for life-threatening injuries or fixing broken bones. If they have a chronic injury that requires long-term treatment or surgery or physical therapy, the amount of bills that come along with that can be astronomical.
Benefits of Having Health Insurance
One of the main benefits of having health insurance is avoiding the high cost of medical care. It is likely for treatment to be expensive with insurance, but without insurance, the medical bills could be financially crippling. Another benefit for having health insurance is that, if the individual has a personal injury case and their treatment is paid for by their private insurance, their attorney would be able to negotiate with the insurance company with regards to how much subrogation they are entitled to.
How Do Bicycle Accidents Impact Insurance Rates?
Since bicycle accidents typically involve serious injuries requiring expensive and extensive medical treatment, it is likely that the victim’s insurance policy premium would increase. This is because, the greater the operating expense, they more the insurance would try to recover those expenses by increasing policy premiums for everyone involved. As a result, the more serious the injury, the more expensive insurance becomes.
Speak with a Legal Professional Today
Health insurance, or the lack thereof, could have vital implications on someone trying to heal from their injuries. In the event that the victim does not have health insurance, they may be unable to receive the treatment necessary to fully begin their road to heal from their injuries. As a result, it is important for victims to have health insurance in the event of a biking accident.
For more information regarding the impact of health insurance in Charleston bicycle accident cases, be sure to schedule a consultation. One of our knowledgeable attorneys could take the time to learn more about your case and figure out the best possible solution for your case. To begin discussing the details of your case, call today.