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.
Med-Pay Insurance
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.
Health Insurance
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
In almost all the types of cases that we handle, contingent-fee representation is available. This means that we only get paid if and when you do. There is absolutely no cost or obligation to you for an initial consultation; we are here to help you.
Call our office at 303-991-2233 or use our online contact form to get in touch with us today.
What Our Clients
Are Saying
Josh at Mann & Maximon was amazing to work with. He took on our case and it was such a wonderful experience working with him and not having to worry about anything. The settlement that came through was so nice to have after being in a scary accident. We are happy we decided to work with him.Mann & Maximon Client
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
It has been over a year and a half since my brother’s bicycle accident with a car in Boulder, Colorado. The details of the accident were in my brother’s favor, as he was in the cross-walk traveling with traffic. His case was brought to several legal firms in Colorado, but none would take the case due to his mental disability and apparently unable to gain significant ‘compensation’. Fortunate for us, his case was eagerly accepted by Stuart Mann of Mann & Maximon. My brother was treated respectfully and with care, without being discriminated against due to his disability. He won a sizable settlement all due to the detailed knowledge Mr. Mann has for the legal profession and his involvement in the biking community.Mann & Maximon Client