When you are injured in an automobile accident you will incur medical bills. It is important that you understand the possible sources for payment of these accident medical bills. Colorado is a “tort” state. This means that the defendant, even if they were at fault, may not pay for your accident medical bills unless you agree to sign a full and final release of all claims. It would be unwise to sign a full and final release of claims because you are entitled to recover damages well beyond just the medical bills.
The first place to look for coverage is “med pay” coverage on the car in which you were driving at the time you were injured. Med pay coverage is usually in the amount of $5,000, $10,000 or $25,000. Med pay coverage is best because it has no deductibles or co-pays and there are no restrictions on the type of treatment you receive or medical provider you choose.
The second place to look is your own health insurance policy. Often times your policy will have co-pays and deductibles. All out-of-pocket expenses that you incur are recoverable against the other party. Your health insurance has an absolute obligation to cover your medical expenses from an automobile accident.
Depending on your age and circumstances, you may be able to obtain coverage from Medicare or Medicaid. These federal and state funded programs often times provide payment for care for injured victims.
Treatment on a Lien
If you have no med pay coverage and you have no health insurance, you may be able to get a doctor to treat you on a lien basis. This means that the healthcare provider agrees to treat you and receive payment for the treatment at the end of the case. While this is not the preferred method of obtaining treatment, it is often the only way people can get the care they need.
Obtaining treatment with health insurance, Medicare, Medicaid or on a lien means that you will be asked to re-pay for the cost of your treatment out of your settlement money. This is called subrogation.
Stuart Mann is an expert at dealing with subrogation to maximize your recovery. Stuart Mann will not allow your settlement monies to be eaten up completely by health insurance companies and government agencies. It requires a specific knowledge of the law to negotiate these subrogation interests.
Contact Us For a Free Initial Consultation
Contingent fee representation is available. In contingency cases, we are paid legal fees only when our clients are paid. There is no cost to you for an initial consultation or case review.
Call our Boulder office at 303-991-2233 or use our online contact form to schedule an appointment.
What Our Clients
During the long months that followed my bicycling accident and resulting injuries -- my bike and I were run over by an SUV driver -- Josh was my closest and most trusted advisor. I can say without hesitation, his legal guidance and representation were consistently everything a client hopes for. But just as importantly, he was an exceptionally kind, compassionate, and knowledgeable partner throughout all that transpired. Really, I cannot say enough about Josh Maximon and his team. Good humans make good attorneys, and Josh is both.Mann & Maximon Client
Having been the innocent victim of a head-on auto accident caused by texting while driving, I sought Stuart Mann’s legal counsel. From the outset he was fully dedicated to accompanying me through a lengthy recuperative process, using his skills, experience, and resources to achieve justice and adequate financial compensation on my behalf. His unconditional concern for my well-being and his involvement of time and effort on my behalf freed me from legal concerns and responsibilities, allowing me to focus my efforts and energy on physical and mental recovery. I strongly recommend Stuart Mann to anyone needing the legal services he offers.Mann & Maximon Client
My car accident left me shattered, physically and mentally. Stuart’s offer of help came soon after I was released from intensive care, and he’s been on my side since. When you’re involved in a big accident, there are so many things you need to concentrate on, and it’s been a great comfort to know I don’t need to spend untold hours dealing with insurance companies or hospital billing departments. Thanks Stuart!Mann & Maximon Client