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How Does Health Insurance Come Into Play?

In July of 2003, Colorado switched from a system of "no-fault" automobile coverage, to a pure "tort" based system. What this means practically is that your health insurance is the primary source of medical treatment in the event you are injured in an automobile accident.

In some cases, the at-fault party's insurance company may initially offer to pay all of the medical bills incurred as a result of an automobile accident. This, however, rarely occurs. Instead, the insurance company will later inform you that they will pay the entire outstanding medical bills only ONCE you settle your case. In the mean time, medical providers may threaten to send your medical bills to collection agencies.

Thus, if you have health insurance it will provide the primary source of funding for your accident related medical treatment. In most cases, your health insurance company will have a "right of subrogation" or "right of reimbursement." What this means is that your health insurance company may have the right to be paid back from the proceeds of the case. This can become a major issue in dispute if a situation arises in which there is not enough insurance to fully compensate all of the parties. When this occurs, the "make whole" doctrine may provide some relief.

Situations involving how much money the health insurance companies are paid back are becoming increasingly more complicated. As always, email or call us with any questions you may have. The Kaudy Law Firm is here to help!

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The Kaudy Law Firm LLC
333 W. Hampden Avenue,
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Englewood, CO 80110
Phone: 303-623-1885
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The Kaudy Law Firm, LLC, provides legal help to injured people and victims of insurance misconduct, including bad faith, in Denver, Colorado, and communities throughout the Denver metro area, Rocky Mountain region, Front Range, Eastern Plains, the Foothills, the Western Slope, I-70 and I-25 corridors, Denver County, Arapahoe County, Douglas County, Jefferson County, Adams County, Boulder County, Summit County, Eagle County, Pitkin County, El Paso County, Weld County and Larimer County, including the cities of Aurora, Broomfield, Boulder, Fort Collins, Greeley, Colorado Springs, Lakewood, Littleton, Golden, Longmont, Loveland, Vail, Aspen, Arvada, Wheat Ridge, Castle Rock, Parker, Highlands Ranch, Thornton, Brighton and Westminster.