Category: ERISA Plan

Personal Injury – Are You Without Insurance Or Are You Covered by an ERISA Plan?

PersonalInjuryIf you get hurt in an automobile accident, your first priority should be to seek treatment for your injuries and get better as soon as possible. However, if you are a driver in the state of Arizona without health insurance or are covered by you employer’s ERISA health insurance, the steps of your claims process may differ dramatically from others who hold private health insurance. The following is an explanation of the two scenarios as they relate to the injured party in an automobile accident.

Personal Injury: If you Lack Health Insurance and Pay out of Pocket for All Treatment
If you are hurt in a automobile accident, need medical attention, and are paying for all of your medical expenses out-of-pocket, then the claims process is rather straightforward. The first step is always to seek treatment and recover from your injuries. Due to the fact that you will be paying for all of your expenses without help of any insurance, you will not need to reimburse other parties if or when you receive Med Pay coverage from your own auto insurance of from the at-fault driver’s auto insurance. There are no liens placed on your medical treatment and you will only need to communicate with your own car insurance and the defendant’s insurance in terms of your claim. Each accident and situation is still different, and an attorney could be the most valuable resource in helping you through the personal injury process.