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Articles Tagged with insurance

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Blackwell Law Firm -- Alabama Accident & Injury AttorneysYou suffered a car accident caused by another driver. You are injured. Suddenly, you face many questions. How can I get needed medical care? Will I heal quickly? What happens if I lose my job because I’m hurt? How will I pay my medical bills? How will I deal with the insurance company?

Then, you speak with the insurance adjuster. The adjuster may promise to help you quickly. The adjuster may even promise to pay your medical bills. It happens all the time — The adjuster acts like they are ready to pay your bills and take care of you. Most of the time, it’s not true. Most of the time, the adjuster wants to buy time to protect the insurance company.

The adjuster wants you to provide a recorded statement OR to sign an authorization so the insurance company can dig through your medical records OR simply to string you along. The adjuster tells you information is needed to get you paid. Maybe it is. More likely, it’s an effort to investigate your claim and look for potential reasons to deny it.

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Huntsville Accident & Injury LawyersMany car accident injury cases are fairly straightforward. Liability and damages. Did the other driver negligently cause the collision? If so, were you injured? What is the extent of your injuries?

In recent weeks, I’ve written several posts about settlement mill lawyers. These billboard and television lawyers want a volume of those straightforward car accident and injury cases that they can quickly settle. Even when the case is straightforward, these settlement mill lawyers often harm their clients by not working to prepare cases for their maximum value. That’s important — Even when straightforward, putting the time and skill into developing and building the case can make a huge difference in the amount of damages recovered for an injured client. When our friends and neighbors suffer an injury, they deserve a lawyer who will provide personal attention and work on their case.

When you take a car accident claim and add common issues such as vehicle defects, commercial vehicles, underinsured drivers or uninsured drivers, you really are well-beyond claims that can be handled by settlement mill lawyers. These cases require work, preparation and a willingness to go to court when needed.

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Huntsville Car And Truck Accident AttorneysYou suffered a car accident. In the hours and days after the accident, you start hurting badly. You need medical care. The whole process can be challenging and frustrating. When you are seriously hurt in a car crash, you suddenly have many issues. Scheduling appointments. Missing work. Transportation. Waiting for doctors. These may all be worries. Then, you start receiving bills. Lots of bills. Confusing bills. Bills can be an overwhelming worry.

If you have health insurance, you are very fortunate. You should definitely use your health insurance to pay your medical bills.

Why Should I Use My Health Insurance? Someone Else Caused The Crash.

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Alabama Accident And Injury LawyersInjured and facing mounting hospital bills? If you find yourself in this situation, the medical bills and charges can be confusing and overwhelming. You probably have many questions. What are my actual medical charges? Sometimes, it’s difficult to tell. How much did my health insurance pay? Why is the hospital charging ten dollars for a single aspirin? None of it makes sense to most patients.

Our medical system suffers from a lack of consistency and lack of transparency in charges. I recently read a great article on LinkedIn that asks the question — Can Price Transparency Actually Lower Health Care Costs? The article discusses several issues, including surprise charges, price gouging and health insurer discounts. The author concludes it’s a “money game” of different prices for different people. This is certainly true for personal injury victims who often suffer the worst impacts of unfair and inconsistent medical costs.

Hospitals attempt to take advantage of personal injury victims for maximum profit. From the moment a personal injury victim enters a hospital, the unjust process begins. Why is the hospital admissions clerk so interested in whether the other driver is at-fault or has car insurance? Hospital greed, that’s why. The same is true for some clinics, chiropractors and physical therapy offices.

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Several weeks ago, I wrote an extended post on Five Bad Rules That Can Harm Your Alabama Car Accident Claim. We frequently deal with these rules in auto accident injury cases we prepare. These rules can ruin your claim or severely decrease its value.

If you suffered a serious injury, it is important to seek legal counsel experienced in handling these issues in court. A simple fact or argument can often determine whether or not one of these rules applies. Unfortunately, most of the settlement mill lawyers advertising on billboards fail their clients in these cases.

If you want more details, take a look at our longer article. If you have questions about a case or claim, we are happy to answer them. I’ve attached a slideshow which is shorter than our previous article and hits the key issues in each of these Alabama rules. I thought the slideshow could serve as a quick reference or download on these issues. Here it is:

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Huntsville Work Comp Attorneys - Blackwell Law FirmA new study by the Workers Compensation Research Institute (WCRI) asks whether employees injured at work are more likely to file under workers’ compensation instead of group health insurance when their group health plan has a higher deductible. That’s interesting but it misses the real issue. The real question is why an injured worker would ever consider seeking medical care outside the workers’ compensation system at all. Really? Workers’ compensation systems were enacted in Alabama (and other states) to provide basic benefits like medical treatment. If those systems worked as intended, this would be a non-issue. Yet, workers consider using private health insurance because the work comp system has largely failed its primary purpose.

I speak with injured workers on a daily basis. Almost all of them have one goal. They want to get better and resume their normal life with work and family.

The WCRI research article wrongly frames the issue as a decision based simply upon medical deductibles. Let’s really examine why an injured worker would consider private health insurance (instead of work comp) in the first place. Injured workers should face NO barriers obtaining necessary medical care under workers compensation. But, they do. Those barriers are substantial and unjust. Here are three big ones:

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money-2033591_1920-300x300From “good hands” to “good neighbor,” major insurance companies market themselves as caring for the consumer. Do they? We’ve all seen the countless advertisements. Do you really believe the insurance company has your interest at heart?

What happens when you are hurt and really need the insurance? Insurance companies work hard to avoid paying the true value of claims involving injuries. In car wreck claims, savvy adjusters immediately start looking for ways to deny or dispute valid claims. What are some immediate actions designed to reduce or deny your injury claim? Adjusters start by recording you on the telephone. We have even seen adjusters try to obtain damaging recordings from people who are on pain medications immediately after an accident. Adjusters start by sending you forms to sign — which the company can use to dig through your history and records. Adjusters promise to pay your medical bills, encouraging you to send them. Yet, that’s not how it really works.

Adjusters have huge advantages over you. They know the system. They know how it works. On the other hand, you are probably unfamiliar with the system. You are relying on fairness and honesty to get through a stressful process. While a car accident upends your life, it’s just a normal day for the insurance company.

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Blackwell Law Firm - Alabama Personal Injury LawyersYou are injured from an accident. You are pursuing a claim for damages or compensation. Suddenly, the insurance carrier wants you to see its doctor for an examination. If your case involves a car accident or work comp claim, you may face this request. Sometimes, the insurance carrier even calls its request an “independent medical exam.” Yet, these exams are neither independent nor fair.

Before I talk about the biased insurance company doctor, let me say that these biased doctors are small in number. Lawyers who frequently prepare and try cases will tell you they see the same few bad ones repeatedly. Doctors are like any other profession. Almost all of them are dedicated to serving their patients. The same rule applies to lawyers, accountants, and any other professional. But, a few bad apples exist.

With lawyers, the bad apples are those settlement mill lawyers making promises while refusing to do the work really needed to help clients. When it comes to automobile accident, workers’ compensation or disability claims, we see a few doctors who seemingly make their living issuing misleading reports so claims can be denied. In both the legal and medical professions, the bad ones want to make money pushing paper instead of getting to the heart of their clients’ stories and losses. One sure sign of biased doctors is that many of them have little or no medical practice outside insurance company evaluations. Good doctors actually treat patients. Good doctors don’t make their living generating claims reports.

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Blackwell Law Firm - North Alabama Workers Compensation AttorneysIt’s a common pattern. A worker at a large factory suffers an on-the-job injury. He tells his supervisor who then sends him to the plant nurse. Many big factories have an on-site nurse or first-aid department. So, the hurting worker goes to first aid. Often, the hurting worker will return to the plant nurse several times over the course of days, weeks and months. Yet, the company does little or nothing to help its employee. Does the company send its hurt worker to a doctor? No. Does the company report the injury to its workers’ compensation carrier? No.

The injured employee continues to try and work. He or she continues to hurt. Eventually, one of two things usually occurs. Some injured workers simply give up. These employees seek outside medical care through private payment or private insurance. Other injured workers keep trying to work until the injury worsens severely. At that point, the injured worker cannot work. Because the plant nurse did not properly report the accident or injury, it may also be too late for workers’ compensation benefits. It’s a bad scenario for the injured worker.

Over the course of two decades, I’ve represented countless workers facing hurdles wrongly and needlessly created by the plant nurse. How does the plant nurse or first-aid department prevent needed medical care and workers’ compensation benefits? Here are a few ways a plant nurse can harm injured workers:

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Blackwell Law Firm - Huntsville Personal Injury LawyersSeveral years ago, I had the honor of representing another Huntsville personal injury attorney who was hit by an SUV while riding his bicycle. After the crash, the SUV driver paused just briefly to see that the bicyclist had lived. Then, he fled the scene. He was never identified. The bicyclist suffered a severe neck injury. I was honored that he asked me to handle his case. This injured attorney had been practicing trial work for years and knew lawyers across northern Alabama. Because law enforcement was never able to identify the driver who caused the crash, we pursued claims against the bicyclist’s insurance company for uninsured motorist benefits (UIM). Let this be a lesson to everyone — It is very important for you to have UIM coverage on your policy. You can read more about that issue in a special section of our law firm website.

In the lawyer bicyclist case, we worked with the medical professionals to present the evidence of his serious injury. When the insurance company refused to fairly evaluate the matter, we went to trial. We successfully won a verdict compensating him for his full damages.

I think of that case every time I read about hit and run incidents involving pedestrians or bicyclists. I also think about the Pokemon fad. I can remember leaving my Huntsville office at night during that ridiculous fad. As I drove through downtown, I would see people staring into their cellphones while walking. Often, these people would cross streets with zero awareness of the traffic around them. How dangerous.

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