A Kid, A Minor Bike Accident And A $19,000 Medical Bill ... See, Adam's a personal injury lawyer. Kevin Ellis, 20, was on his bicycle when he was struck by a … Meeting and/or discussing your case with our attorney is completely free. Elisabeth Rosenthal, thank you for being here. See, Adam's a personal injury lawyer. A process called "subrogation" began with a Nevada family's health insurer denying their claim for an ER visit after their 9-year-old fell off his bike. Common injuries suffered include road rash, facial fractures and disfigurement, broken bones and burns. Adam Woodrum and his son, Robert, get ready for a bike ride near their home in Carson City, Nev., this month. A person may suffer from overuse injuries, but these are often not serious and do not occur due to accidents. If you leave the accident scene, you may never be able to identify the at-fault driver. But remember, they understood the game that was going on here. His vehicle overturned, coming to rest on the passenger side. Spinal injuries are one of the most devastating types of injuries suffered in a motorcycle accident. Even minor bicycle accidents can put victims through considerable pain and suffering. KELLY: And if you have a perplexing bill that you would like us to take a look at, go to NPR's Shots blog and tell us about it. Subrogation is an area of law that allows an insurer to recoup expenses should a third party be found responsible for the injury or damage in question. During the summer, Robert had a bike accident that resulted in a hefty bill from the family's insurer. While not ideal, the length of treatment time will vary based on the injury’s severity. Accidents, insurance claims - this is his everyday professional world. Biker’s Arm. If injuries occur, there could be immediate and future costs as a result of the injuries. It’s a matter of a community effort, which can help save the lives of cyclists. Instead, traumatic injuries are directly attributed to an accident. He thought sending in his bill would be a good way to give more of us a heads-up. I have their email addresses. A person that is wearing eye protectant may be able to lessen their risk of eye injury while cycling. Do not take the advice of a massage therapist or some other individual that lacks proper training. "I hear the horror stories every day from people who don't know what it is, are confused by it and don't take appropriate action," Woodrum says. When a teenage driver causes a car accident, their parents or legal guardians can be on the legal hook for injuries, vehicle damage, and other losses resulting from the crash. To see more, visit, National Association of Subrogation Professionals. ADAM WOODRUM: I'd mapped out kind of a 10-mile route, and we were just going to kind of make a loop of the city. Some riders will become impaled by their handlebars, which often causes life-threatening injuries. The dad is a personal injury lawyer married to another lawyer. Who Is Liable in A California Car Accident: Owner or Driver? Two serious injury accidents were investigated by State Troopers in the area Counties over the weekend. WEISSMANN: But a couple miles in, their 9-year-old son hit a snag. The problem with head injuries is that they’re very serious. But in the Woodrums' case, as in others, it was an automatic process. While neck injuries can and do occur, they’re far less common than head injuries and other injuries. All rights reserved. Between 2000 and 2012, the amount of people biking to work increased by 64%. The man was driving the motorcycle and suffered serious injuries, Burke said. Here's your $18,000 bill.'". Saturday at about 3:10 am, a single-vehicle accident on US 36 happened as 50-year-old David Pickering of Kansas City was westbound and drove off the north side of the road. If an insurer denies all payment for all medical care related to an injury, suspect that some type of subrogation is at work. Health insurers, by contrast, have networks of doctors and hospitals with whom they negotiate lower payment rates. November 25, 2020. Los Gatos, California (January 13, 2021) – A motorcyclist was hurt following a traffic collision at an intersection in Los Gatos Tuesday afternoon, a local news source reported. Some cyclists don't realize they've been injured until several hours after the accident. WEISSMANN: And in the fine print, it said, we're denying this claim, but we could reconsider. This figure was up 13% from the year prior and marks the highest number of bike related deaths since 1995. Health insurers say subrogation helps hold down premiums by reimbursing them for their medical costs. KELLY: That is the good news. But it still came as a shock, he says, to have his health insurer deny payment because there was no third party responsible for their son's ordinary bike accident. An accident involving three semi-tractor trailers caused minor injuries and closed down state Highway 91 near County Road 9 on Monday morning north of Arlington. Could another policy — say, auto or home coverage or workers' compensation — be obligated to pay if someone was at fault for the accident? These injuries can be as simple as scrapes, or they can be traumatic brain injuries that demand the help of a personal injury lawyer. The Little Rock, Ark.-based firm did not return emails asking for comment. So I think for patients, the first is our perennial lesson - don't just pay the bill. After receiving the accident questionnaire, Woodrum filled it out and sent it back. WEISSMANN: Like, if you were rear-ended, the other driver or their insurance should be responsible. But he and his wife are both lawyers, and so they knew something was up. One of the most common injuries suffered in motorcycle crashes is road rash. WEISSMANN: A few weeks later, Adam's insurance company writes him. A Kid, A Minor Bike Accident And A $19,000 Medical Bill 05:41. There’s a reason that everyone should wear a helmet. It's not uncommon for insured patients to be questioned on whether their injury or medical condition might have been related to an accident. Before you pursue a minor car accident claim, it is important to think about how serious your injuries are, factoring in the time and effort it takes to settle a claim. ", Attorney Matthew Anderson at the law firm that handles subrogation for the Nevada health plan says he can't speak on behalf of the state of Nevada, nor can he comment directly on Woodrum's situation. But while deaths do happen far more often than people hope, injuries are far more common. Quote, "You will receive an accident questionnaire in a separate mailing," or you may go to website blah, blah, blah, or call this 800 number or email subrogationlnlattorneys.com with any additional questions. So the health insurance company's trying to get Adam on the record. ROSENTHAL: Yeah, he's great. Seek appropriate medical attention for any injuries sustained from the bike accident. Is California A No-Fault State For Car Accidents. "Let's say a young person falls off a bike," she says, "but the insurer was thinking, 'Did someone run him off the road, or did he hit a pothole the city didn't fill?'". Eye injuries are less common, but they can still occur. Underlined for emphasis, one sentence warned that the denied claim would not be reconsidered until an enclosed accident questionnaire was filled out. What If My Motorcycle Accident Was Caused By a Defective Part? Woodrum received an accident questionnaire from his insurer, which he filled out and sent back to provide clarity on what had happened during the accident. Dan Weissmann, host of the podcast "An Arm and a Leg," reported the radio interview of this story. And I'm no doctor, but, you know, right away, you can tell that this is a stiches situation. Give us a call at (619) 550-1355. This case involves an all-too-frequent dance between different types of insurers about which one should pay a patient's bill if an accident is involved. Is there somebody else maybe on the hook? I'm sure that helps. ROSENTHAL: That's right - a yikes moment. He's since recovered nicely. "They took him on a stretcher to the ER.". "Then they're a year out with no payment on their bills." Nonsurgical treatments are ideal. Head injuries. First, how is Adam's son? WEISSMANN: At the ER, they actually had to put the poor kid under. What happened? What gives: The Aug. 4 explanation of benefits (EOB) document said the Woodrums' claim had been rejected and their patient responsibility would be the entire sum of $18,933.44. In fact, neck injuries are quite rare in the whole spectrum of bike accidents. The patient. The hospital received less than half of what it originally billed, based on rates negotiated through his health plan. This is a term for a hurt arm as a result from a motorcycle fall or accident. The relationship between the … As most insurance claims adjusters —and some parents—will tell you, teenagers are in a special risk category all their own when it comes to driving. KELLY: All right. Let's listen in. During the summer, Robert had a bike accident that resulted in a hefty bill from the family's insurer. WOODRUM: People just simply have no clue what subrogation is or what that - you get a letter from a lawyer in Ohio that says, hey, we need you to come to our website and fill out some paperwork or we're not going to release your claims to be paid. A lot of bicyclists do not follow the rules of the road. Bike accident injuries are more common than people think. WOODRUM: I mean, this LNL Attorneys - I work with them probably once or twice a month. WEISSMANN: And he knows what subrogation is. The legal name for the process of determining which type of insurance is primarily responsible is subrogation. All sides do their best to avoid paying. Another letter also dated Aug. 4 soon arrived from HealthScope Benefits, a large administrative firm that processes claims for health plans. Around 20% of people killed in bicycle crashes have a blood alcohol concentration of 0.8 grams per deciliter. What that means to an insurer may be, hey, maybe we don't have to pay, which is not what you're thinking when you check that box. Contacting a Lansing bike accident attorney at our firm will help you avoid the consequences of defending claims alone. Be clear about what happened. Bicyclists account for 2% of all traffic-related deaths and injuries per year. Hamparyan Personal Injury Lawyers San Diego was founded so that Robert could bring more of his skill and knowledge to personal injury victims in all types of cases. https://www.hamparyan.com/blog/common-bike-accident-injuries Tell us about it! Robert and his team have dealt with semi truck accidents, wrongful death cases, brain & spine injuries, and many other types of personal injury cases with soaring success. That's because the clock starts ticking the day the medical care is provided and policyholders may face a statutory or contractual requirement that medical bills be submitted within a specific time frame, which can vary. I don't have any idea who you are or what this is. For the rest of us, it's sub, like substitution. The firm's website boasts that "we collect over 98% of recoverable dollars for the State of Nevada.". Accidents, insurance claims - this is his everyday professional world. And the denial came before the insurer got information about whether someone else was at fault. Adam Woodrum and his son, Robert, get ready for a bike ride near their home in Carson City, Nev., on Nov. 7, 2020. The insurer denied the claim based solely on the medical code indicating a possible accident. But also don't ignore scary bills from insurers or hospitals. That's because auto insurers "are going to pay billed charges, which are highly inflated," says attorney Ryan Woody, who specializes in subrogation. Look for blood and think about any pains you may be experiencing. The biggest factor that isn’t talked about is negligence. Despite consumers' unfamiliarity with the term, subrogation is common in the health insurance industry, says Leslie Wiernik, CEO of the National Association of Subrogation Professionals, the industry's trade association. A 2013 Deloitte consulting firm study, commissioned by the Department of Labor, estimated that subrogation helped private health plans recover between $1.7 billion and $2.5 billion in 2010 — a tiny slice of the $849 billion they spent that year. But I, from experience, know that other people do not know how to operate the system. Lacerations to the face, road rash, chipped teeth, and scars can all occur in accidents law enforcement deems “minor.” Major accidents can lead to permanent injuries, disabilities, and the wrongful death of a loved one.

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