Health Insurance in Columbus Bicycle Accident Cases

Many people in Columbus rely on bicycles as an affordable and enjoyable mode of transportation. Yet several people are injured in local bicycle crashes each year on public roadways due to dangerous driving behaviors from other travelers, such as distracted driving, impairment, speeding, and more.

Unfortunately, when an accident occurs, injured riders do not have the time to plan out exactly how they are going to pay for needed medical treatment. Injured cyclists often have many questions about health insurance in Columbus bicycle accident cases. A bicycle accident lawyer from Bence Law Firm can answer these questions and more during a free case evaluation.

If Someone Else Caused Your Bicycle Accident, Will Your Health Insurance Cover Your Treatment?

Generally, a person who is injured in a bicycle accident in Columbus can use their own health insurance to seek treatment. This allows them the opportunity to receive prompt treatment rather than waiting for the lengthy claims process to play out. The insurer will typically cover reasonable treatments, but the injured party will be responsible for deductibles and copays.

If an injured rider gets their medical treatment covered by their own health insurance provider, the at-fault party is still legally responsible for paying for the costs of the treatment.

How the Health Insurance Company Recoups Its Costs

Health insurers will usually try to recoup their costs from covering the insured’s bicycle accident injuries. This is known as subrogation. The insurer typically will place a lien on the settlement or award in the legal bicycle accident case. This means they are entitled to reimbursement by the at-fault party or their insurer for the coverage they provided. A Columbus bike accident lawyer from Bence Law Firm helps their clients resolve medical liens upon the successful conclusion of the claim.

What Happens After a Settlement or Court Award?

When a case is resolved through a settlement or court award, Attorney David Bence and the Bence legal team may do the following:

• Collecting the money from the insurer and placing it in a trust so that it is safe and separate.
• From this trust, the law firm will deduct the payment for its services, which is a percentage of the overall award. They will also communicate with providers and insurers who have placed a lien on the funds, looking to satisfy these liens for their client.
• Once the legal team is paid and all liens are satisfied, the claimant will receive the remainder of the award.

The cost of the claimant’s deductible and copays for treatment are included in the claim’s value, along with other types of costs, such as medical treatment, wage loss, lost earning capacity, pain and suffering, and more.

Contact Bence Law Firm to Learn More About Health Insurance in Columbus Bicycle Accident Cases

When a bicycle accident occurs due to a negligent driver, the injured rider’s own health insurance is often an option for covering the expenses of medical treatment. There are other potential sources for coverage as well, including the rider’s own auto insurance policy in some cases. Let the legal team at Bence Law Firm help you understand your options for obtaining the treatment you need and the types of services we may provide to help you navigate this process. Contact us today for your free case evaluation to discuss health insurance in Columbus bicycle accident cases.