Even With Health Insurance, A Personal Injury Attorney Can Help

Most hard-working families do all right, they buy plenty of insurance policies for their family , home and vehicle. Personal Injury Attorney-Denton & Zachary, PLLC has some nice tips on this. Such families are very responsible, and unlikely to know why they would need an attorney for personal injury after a car accident. They have very good health insurance which pays for all their medical treatment including costly surgeries and rehabilitation. They may also have medical insurance that offers extra compensation, and may conclude that there is no need to employ an attorney as nothing seems to have been lost.

More recently, victims of an accident may be motivated to make a lawsuit for personal injuries not from their friends and relatives but from the very same people who pay the hospital bills. Health insurance companies often send letters to their insured that essentially insist that they file a claim for injury. The explanation is that health insurance providers have the right to seek compensation for all medical bills have been paid out. The person covered by health insurance is not obligated to make a claim and can choose not to make the claim and, because there is no potential risk, they often do not.

A claim to personal injury includes compensation for many different injuries that aren’t all that clear. Personal injury claims are intended to put the victim back in the position that he would have been in if the injury causing event had never occurred. The damages are subdivided into two categories. Losses are commonly described as special damages, and damages are commonly described as general damages. Special damages are a reference to the economic harm and may include things like income loss, medical expenses, out-of-pocket medical expenses, damage to a vehicle and anything in the vehicle that may have been lost. The general losses are where there is significant conflict between judges, attorneys and insurance companies. General losses are those intangibles that are a loss that is very real, but difficult to determine.

General damages can include pain , suffering, discomfort, loss of dignity, humiliation, and emotional distress, and may also include. These are intangibles, which are difficult to convert to a monetary value. There are many ways and approaches to convey the loss, and depending on the personal injury attorney’s skill and experience, it may or may not be obvious that the injury victim has suffered these losses.