Articles Tagged with insurance

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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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dog-900215_1920-copy-300x256DOG BITE INJURIES ARE FREQUENT

Homeowners’ liability insurance is an issue in many personal injury cases. Clearly, a huge percentage of personal injury cases are traditional automobile accidents covered by automobile insurance. Yet, many other claims involve different types of events triggering homeowners’ coverage. Our firm is currently handling several different types of injury cases where this coverage is available for our injured clients.

What is one source of injury that is frequently addressed by homeowners’ coverage? Dog bites and animal attacks. Most of us know the old saying, some dogs are more bark than bite. Think about that small neighborhood dog that never seems to stay quiet. That dog may be harmless. But, other dogs can cause very serious and permanent injuries. Too often, the victims are children. Over the years, we’ve helped clients who suffered dog bite injuries so severe they even required plastic surgery.

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16687020074_db03aa8ce2_z-300x171Alabama has a significant problem with uninsured drivers. At our firm, we help families suffering because of a personal injury. Car accidents and commercial truck crashes cause many of the injuries we see. Imagine suffering a severe injury only to learn the responsible person has no insurance to help with your damages. That is the scenario many hurt individuals face. Too often, negligent drivers causing injuries on our highways are uninsured. That’s why our firm has long advocated that you purchase sufficient uninsured / underinsured motorist coverage to protect yourself and your family.

Want to know more about why you need sufficient uninsured/underinsured motorist coverage? You can read an article we wrote earlier this year titled Alabama Drivers Need Uninsured Motorist Coverage. You need adequate uninsured/underinsured coverage (also frequently called UIM coverage) to protect your family against both uninsured and underinsured drivers. Too many insured drivers carry the minimum amount possible which is unlikely to compensate you fully for any serious injury.

How bad is the problem of uninsured drivers in Alabama? The Insurance Information Institute has compiled some startling statistics. According to their statistics, Alabama ranks in the top 10 for the most uninsured drivers on the road. That’s certainly not a good category in which to rank within the top 10. In 2015, approximately 18.4% of the drivers in Alabama were uninsured. That’s a huge percentage of people driving cars all around you each day.

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insurance-1991216_1280-300x211Another driver crashed into you. You suffered personal injuries in the car accident. Now, you need medical care. Medical Bills. Lost Wages. Disability. Pain and Suffering. You may be worried about several issues. So, you decide to make a claim.

After making a claim, you learn more bad news. The driver who caused the crash is bankrupt. You learn the other driver has actually filed a Chapter 7 bankruptcy seeking to discharge all of his or her debts. Can you still recover compensation for your personal injuries? In most cases, the answer is yes.

At our office, we have helped many injured accident victims recover compensation even when the driver who caused the crash is bankrupt. These issues can require legal guidance. An experienced personal injury attorney willing to fight for his or her clients can help. But, be careful who you hire. Many billboard and television advertising attorneys talk a big game but are unwilling (or unable due to a lack of real courtroom expertise) to do the real legal work needed.