Fighting Parasitic Health Insurers
A very common scenario is as follows: Mr. Jones has an accident of some kind and is very seriously injured. It really does not matter what kind of an accident. It could be an automobile accident, a slip and fall, or a dog bite. What matters is that Mr. Jones has health insurance and his medical bills are paid by his health insurance company. Mr. Jones now sues the party responsible for his accident and obtains a settlement or award . However, before the ink is even dry on the documents Mr. Jones' health insurance company comes in and claims all or a substantial part of the settlement or award based on the fact that the health insurance company paid the medical bills.
Fortunately, there are strategies that can be employed to minimize or even eliminate claims by these parasitic health insurers for all or a substantial part of your settlement or award. At the law firm of Jacobsma & Brau we strive to not only obtain a fair and reasonable settlement for you, but to protect your settlement or award from the claims of third parties such as your health insurance company. This is a very complex area of the law and it is important that your attorney be experienced in resisting in whole, or in part, claims for reimbursement by health insurance companies and others whose claims can put your settlement or award at risk. Both Laila Havre Jacobsma and Paul D. Brau have years of experience in fighting the practices of parasitic health insurance companies and others who would like to assert a claim against your injury settlement or award. In short, at the law firm of Jacobsma & Brau we not only fight to get you the best settlement or award possible, we fight so that you can keep it.
Finding Insurance Coverage For Your Injury Claim
Suppose you are seriously injured by someone who has no assets and no insurance. What do you do? Consider the case of Mr Smith, a pedestrian who was struck in the cross walk by a driver who had no assets and no insurance. What is Mr. Smith to do? Mr Smith owns a car and has insurance on his vehicle. If Mr. Smith were to consult the law firm of Jacobsma & Brau we would advise him that he can bring a claim under the uninsured motorist provisions of his automobile policy. This is true despite the fact that he was a pedestrian and nowhere near his car at the time he was injured. Mr. Smith's uninsured motorist coverage applies regardless of where or how the accident occurred because the accident was caused by an uninsured motorist. If you are seriously injured it is important that your attorney understand the intricacies of the insurance coverage which may or may not apply to your injury.
Both Laila Havre Jacobsma and Paul D. Brau have years of experience in finding insurance coverage in injury cases where it is not immediately apparent that the insurance applies. Suppose a homeowner strikes you with a shopping cart and knocks you down severely injuring you in the supermarket. Here again, the homeowner is covered for his negligent act in striking you under his homeowner's insurance policy and you can bring a claim under that insurance coverage even though the accident occurred far from home at the supermarket. At the law firm of Jacobsma & Brau we are available free of charge to analyze any personal injury case in order to ascertain what, if any, insurance coverage applies.