Episode 8: Being Low-Balled For Using Health Insurance

A lot of good honest people, who have been injured in a car accident, try to negotiate with the other person’s car insurance company themselves. They sign a full release authorizing the adjuster to obtain their medical records. They often go out and retrieve all those records and bills, for the adjuster, themselves. The adjuster insists that they complete treatment before the insurance company can settle the case. Once that time comes, the adjuster uses the fact that health insurance was used to pay the bills, to try and low-ball the injured person. They point to the fact that the out-of-pocket expenses are quite low even though the overall medical bills a very high. Not knowing the law, a lot of good honest people fall for this line of argument and accept far less than their case is actually worth. The truth is, in a jury trial, the jury will never know that you used health insurance to pay your medical bills. They’ll never know what the adjusted bill was either. All they’ll ever see is the full billed amount, which is the fair market value of your damages. If you have any questions about this, you can call me at 770-322-4990.