Why sue if I have health insurance?

Answer:

First off, the majority of health insurance plans do not cover 100% of your medical expenses. At bare minimum, you are responsible for deductibles, co-pays, and on top of that, many types of procedures are simply not covered at all. More importantly, your health insurance carrier does NOT reimburse you for non-tangible or non-medical-related losses such as lost wages, pain and suffering, reduced earning capacity, loss of consortium, etc, etc.

Remember that medical bills are only one part of your claim. If you're now unable to return to work at full capacity, the damages related to your reduced earning capacity will likely FAR exceed the cost of your medical bills. We all know that a serious injury impacts a victim in more ways than the hospital bill, but these type of losses will never be covered by any health insurance plan. Only a personal injury lawyer can assist you in collecting these types of damages through a personal injury claim or lawsuit.

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Note: The information that was utilized in this post was gathered from the use of secondary sources. This information used has not been confirmed or independently verified. If you locate any information that is not correct, please contact our firm as soon as possible so that we can make the appropriate corrections. If you find any information that is false, we will remove or correct the post immediately after it is brought to our attention.

Disclaimer: As a valued member of the Dallas community, Rasansky Law Firm’s goal is to improve the safety of all residents in the great state of Texas. These posts should not be viewed as a solicitation for business and the information included herein should not be taken as medical or legal advice. The photos used in this post are not representative of the actual crash scene.

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