Injuries stemming from dog bite incidents often require immediate medical attention. Some dog attacks can result in severe injuries that require more extensive treatment. When seeking treatment, individuals often use private health insurance to pay for those medical expenses. Dog bite victims should be aware that the health insurance company may seek to recover those costs.
If you use private health insurance to pay your immediate medical costs, and subsequently file a claim or lawsuit against the dog owner(s), you may find that your insurance carrier may seek to utilize their “right of subrogation” against your third-party recovery. Subrogation is a legal right held by some insurance carriers to legally pursue a third party that caused an insurance loss to the insured. It is the right of an organization to recover losses they have paid for on your behalf.
In dog bite cases, your health insurance carrier may be entitled to be repaid out of any settlement or jury verdict that you as the dog bite victim receive from the dog owner’s homeowner’s insurance carrier.
If you’ve used private health insurance to pay for dog bite injuries, be sure to let your dog bite lawyer know. This will better prepare your lawyer to navigate the systems on your behalf.
As the New Jersey Dog Bite Lawyer, David J. Cowhey makes it an immediate priority to inform your insurance carrier of your dog bite claim so that you can stay on top of any liens that may exist and have them paid out of your recovery. This will prevent you from receiving a notice from your carrier asking you for repayment months down the road. He will also look to maximize the compensation you receive from your dog bite claim.
If you have been injured in a dog bite incident in New Jersey, and you have utilized your private health insurance to pay for your medical treatment, call David J. Cowhey today on our 24/7 Attorney Hotline at (609) 513-0627. You will be able to speak to an experienced, diligent attorney that will help you take care of your liens in a timely, organized fashion. As your dog bite lawyer, he will also seek to get you the best compensation for your dog bite claim. Contact him today for a free consultation on your dog bite case.
Updated January 6, 2022