Management of your medical care in a reasonable manner is critical to the proper resolution of your claim.

In Arizona, the at-fault driver is not specifically responsible for the payment of your medical expenses. Their insurance, if they have it, is responsible to pay a one-time, lump sum to resolve the claim.  Your incurred medical expenses will be paid out of these funds.

Because of this, it is very important for you to have all of your medical expenses paid by your health insurance.  If you do not have health insurance, you need to let us know so we can assist you in locating providers that will help you on a lien basis.


These are documents, signed by you placing the cost of your medical care with a particular provider on hold until your case settles.  Regardless of the outcome of your case, you are responsible to pay for the full amount of the cost of your medical care.  Medical providers are not obligated to agree to a lien.


Some health insurance plans are allowed to recover an amount out of your settlement that is equal to the amount they pay for care on your behalf.  For example, if you have a $1,000 hospital bill, your health insurance company may pay a portion, in this example we’ll say they paid $450.  There is a contractual benefit to which the hospital has agreed and you will receive a reduction in that amount, for our example we’ll say $450. Then you may have a co-payment, co-insurance, or an amount that is your deductible, for this example we’ll use a 10% or $100.

When your case settles, we may, if the insurance company is entitled, have to reimburse them only the $450 they actually paid. We would also have to pay the hospital any outstanding balance, which in our example could be as high as $100.  The total paid out of the settlement would be (for this example only) $550 even though the full amount incurred ($1,000) was used as the expense incurred for purposes of demand or litigation.

Using your health insurance is a great benefit to you.  In our example the savings was 45% over what was incurred with that medical provider.


There are several other types of coverage available depending on your insurance carrier and can include, but are not limited to:  windshield replacement, rental reimbursement, gap coverage, etc.

Please do not hesitate to ask if you have questions regarding your coverage or if you would like an evaluation of your policy.


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