Transcript

Hey there, this is Brother Rutter.

I want to speak to you today about the importance of using your health insurance to pay for all of you medical bills whenever you’re in a wreck, and I want you to remember this key takeaway.

You will always be better financially at the end of your case if you make sure the hospitals and your healthcare providers, like hospitals, will say, “We don’t want to use your health insurance. Why not use the auto insurance of the guy who caused the wreck?”

It sounds reasonable, but financially, it works out for the hospital but not for you.

See, this is one of the few times in Virginia that there’s a legal double-dip.

You can send those bills or the hospital sends those bills to the insurance provider and they pay them.

You also get to claim those bills against the person who caused your damages. You get to, in effect, claim twice.

And why?

Because the law says the defendant who hurt you should not get the benefit of the fact that you have health insurance or that you paid those premiums. Right?

So hospitals and healthcare providers know that. They’ll try to trick you into saying, “No, don’t use my health insurance. Use the other guy’s auto insurance, use something else.”

It sounds reasonable, but it’s not.

It helps the hospital, it helps the healthcare provider, and it could cost you thousands of dollars.

We’ve got people that are very well-versed in all these little insurance ideas and thoughts to maximize your recovery, but your job is to make sure every healthcare provider has your health insurance and is committed to using it.

If you have any questions, call us and we’ll talk you through it.

Thanks so much.