Having health insurance as a means to respond to the aftermath of a motorcycle accident is incredibly important. With such coverage, an injured motorcyclist who is sufficiently insured could receive treatment without having a delay or gaps in treatment due to any inability to pay.
Conversely, someone who does not have insurance may receive less treatment, delayed treatment, or no treatment at all. This potential to add even more catastrophe to what is already a catastrophic event underscores the importance of health insurance in Charleston motorcycle accident cases, as well as the importance of talking to an attorney quickly if health insurance is not available.
The Potential Impact of Being Uninsured
If a person does not have health insurance and is injured in a motorcycle accident, they are probably going to be taken by ambulance or by a helicopter to the emergency room. While the emergency room will see and treat them, in many cases the hospital will look for a way to discharge them once they are seen in a triage and their injuries are initially addressed, since they are not sure they are ever going to get any money out of the treatment from the injured party.
Once discharged from that hospital emergency room, it is usually very difficult for an injured motorcyclist to get treatment, because they either do not have insurance or they do not have proof of ability to pay. In these types of cases, a lawyer would try to employ strategies to get the best medical care and treatment for the injured motorcyclist.
For example, they might use a letter of protection, which essentially says to the medical provider, “Please hold off on sending any bills to our clients.” In return, whenever the lawyer is able to resolve the case either through settlement or a trial, they would try to get the medical provider reimbursed with interest out of the recovery of the case.
What Could Legal Counsel Do to Help an Insured Person?
For those who do have health insurance, the issue is ensuring the health insurance company is going to pay for the medical treatment. The motorcyclist is still going to be subject to co-pays, deductibles, and other out-of-pocket expenses, but they are going to be able to get the treatment they need and then deal with those bills as they go along the way.
The insurance company would have what is called a subrogation interest, which is just a fancy way of saying that they did not do anything wrong either and they want to get some of their money back, including what they paid out for medical treatment. Experienced lawyers should have effective ways of negotiation and other strategies to whittle down that number and put as much money in the pocket of the motorcyclist as possible.
There are also medical lien statutes in South Carolina, as well as rules that apply to liability insurance and underinsured and uninsured motorists. All this stuff can be quite complex, which is just another reason why anybody dealing with health insurance in a Charleston motorcycle accident case should go to an experienced motorcycle injury attorney to help them sort through the complexities of their case.
Talk to an Attorney About Health Insurance Concerns Within Charleston Motorcycle Crash Claims
There is no judgment from any attorney on anyone who is uninsured—the American healthcare system is broken, and everybody knows it. The cost of insurance is sky-high, many people are not able to get insurance through their own employer, and frankly, most people just do not have the ability to pay because it is so expensive.
However, not having health insurance in Charleston motorcycle accident cases certainly can create massive problems. Victims may not be able to get the treatment they need at all, or if they do get the treatment, the quality of care may not be as good. Ultimately, this issue is not something the average motorcycle accident victim can or should have to deal with alone, so bringing in a qualified motorcycle accident lawyer is usually a good option.