Why Should Health Insurance Pay for My Car Crash Medical Injuries?

I’ve represented thousands of people in personal injury cases and one of the most common concerns I hear from my clients is, “Why should my health insurance have to pay “when someone else caused my injuries?”

In this video, I’m gonna break down why you should use your health insurance when you have a personal injury case. 

I’m Dave Dismuke. Florida Bar, board-certified civil trial lawyer, and founder of Dismuke Law. 1800.ASK.DAVE.

When you’ve been injured by someone’s careless conduct, it’s understandable to feel like they should pay for all of your treatment. Unfortunately, some drivers don’t have enough coverage, and some drivers have no bodily injury coverage at all. The vast majority of states require drivers to purchase bodily injury coverage, but not Florida. Sometimes one of the most difficult parts of my job is putting as much money in my client’s pocket as possible. When you use your health insurance for treatment, you get the benefit of having treatment paid for under your health insurance contract. And when you get a recovery from the at-fault person or your uninsured motorist insurance your health insurance will have a lien on the settlement proceeds. This is a good thing for you. A lien only has to be paid if there is a settlement one day. If there’s never a settlement, you never have to repay it. It’s not a lien on your house. It’s a lien on your settlement proceeds only. Look, it’s my job to put as much money in my client’s pocket as possible. And I can tell you after handling thousands of cases, using your health insurance for treatment makes my job a lot easier.