After Car or Truck Accident, Should You Use Your Own Health Insurance?

North Carolina Accident Lawyer Explains Car Accident Hospital Bills

Video Transcript:

Rob Rosenthal:

If you're injured in a car or a truck accident in North Carolina, should you use your own health insurance to pay for hospital bills? That's what we ask North Carolina lawyer Brian Davis in this Ask the Lawyers Quick Question. 

Brian Davis: 

Absolutely. A lot of times, this is sort of one of the crazy things about being involved in a crash, is that when you go to the hospital, hospital is gonna go, "Well, you were in a crash, who's the insurance company for the at-fault party?" But you want to insist that the hospital file your bills with your insurance company. The hospitals don't generally want to do that because their hope is to get paid from your case at the end, whenever the injured person gets their money in the case, then the hospital is going to say, Oh, don't forget us. We've got a lien over here and you've got to pay us the full rate that we bill people who come in without insurance. They would rather do that and bill your insurance because they have a reduced contracted rate that they get paid by your health insurance company. As an injured person, you want to insist that the hospital and all of your medical providers bill your health insurance.

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