In Nevada, victims of car accidents have the right to recover compensation through an insurance claim or lawsuit. The settlements from these claims can help pay for critical expenses and losses related to the accident, including medical care for car accident injuries.
However, these claims can take from several weeks up to a year or longer to reach a conclusion. In the meantime, you need medical care now. In these situations, you may wonder: does health insurance cover car accident injuries?
If you have health insurance and you are injured in a car accident, your company will typically pay for the treatment related to your collision.
However, there are a few considerations that you should be aware of before using this coverage.
If you receive coverage from your health insurance to pay for car accident injuries, the company may have the right to claim a portion of your settlement. A car accident claim allows you to recover financial compensation for any past and future medical care that you need due to your injuries.
Nevada has subrogation laws that allow insurance companies to recover the money that they have paid to their policyholders for damages that are covered by the settlement. However, insurance companies cannot engage in subrogation until the policyholder has been fully reimbursed for his or her losses. Additionally, health insurance companies will usually need to have a reimbursement clause in their policies to initiate these proceedings.
For example, say that you’re walking down the street when another vehicle crashes into you. Your health insurance coverage pays for $20,000 worth of medical bills. The at-fault driver’s insurance coverage has a $25,000 bodily injury liability limit, allowing you to recover the full $20,000 for your medical care. Your insurance policy has a reimbursement clause, so it files a claim against you to recover the $20,000 it had already paid.
It can be difficult to navigate the aftermath of a car accident, especially when it comes to receiving medical care. If you are concerned about how to pay for the treatment that you require following a collision, contact a Nevada car accident attorney as soon as possible.
Your lawyer will help you understand the pathways available to you and take your first steps toward filing a claim for compensation.