Role of Health Insurance in Chattanooga Motorcycle Accidents

Having health insurance is a major benefit because injuries from a motorcycle crash are oftentimes severe and even catastrophic. Being able to get all the medical treatment that a victim needs requires the medical providers to believe that they can be paid for their medical treatment. As a result, the absence of health insurance raises red flags with medical providers and makes it more difficult for medical providers to give the victim the help they need. Having health insurance in place ahead of time is extremely important to get medical care quickly and to get all the medical care that they might need.

To learn more about the role of health insurance in Chattanooga motorcycle accidents, be sure to get in touch with a knowledgeable attorney today.

What Happens if the Person Injured in a Motorcycle Accident Does Not Have Health Insurance?

In Chattanooga, if a person has a medical emergency, the local emergency rooms are required to provide treatment to deal with that emergency. However, they are not required to provide long-term treatment. They are also not required to provide treatment for chronic injuries. As a result, while victims may be able to get emergency treatment to save their life, they may not be able to get surgery to repair bones, joints or other types of treatment to deal with injuries that are not as life-threatening.

How Might a Person Finance Medical Treatment Following an Accident Without Insurance?

A person without health insurance may be able to get certain companies who are willing to pay for medical treatment in exchange for being repaid from the injured person’s settlement. However, the main problem with this solution is that they charge a person more than what they pay their healthcare providers. Consequently, if they were dealing with health insurance, not only would they also have to pay their health insurance back from a settlement, but they also have to pay the health insurance company back what the health insurance companies actually pay.

How can Missed Workdays and Lapses of Coverage Factor into the Injury Claim?

Missed days from work are treated as lost income. And so that lost income increases the amount of damages that they can prove and are entitled to recover from the person who caused the crash. However, if they miss so much time from work that they lose their health insurance coverage, then their ability to get treatment for their injuries would be negatively impacted. If a victim’s lack of treatment results in greater injuries, victims may be able to increase the amount that they might be able to recover.

How Long Should Victims Wait to Contact an Attorney?

Oftentimes, insurance companies delay making offers for months and months to try to make it more difficult for a person to hire a lawyer. This also makes it more difficult for a person to investigate the case and to preserve evidence. As a result, waiting to see what the insurance company does just gives the insurance company a lot more chances and a greater likelihood of success that the insurance company will defeat the claim or decrease the value of the claim.

For more insight regarding the role of health insurance in Chattanooga motorcycle accidents, schedule a consultation today.