Car Accidents and Health Insurance in Hawaii
Many Hawaii drivers understand that when they are injured in a car accident, some type of insurance will be available to help with their crash-related expenses. However, many motorists do not know who pays what — their auto insurer, or their health insurance company? A Honolulu car accident attorney at Recovery Law Center can explain what type of insurance you should use after a crash and how those expenses will be covered.
Maximizing the amount of insurance compensation that you can recover will depend on building a strong case that shows all of your losses and their impact on your life. Recovery Law Center to help you do that.
If you’ve been in a Honolulu car accident, don’t wait to get your claim underway. The time to act is now. Contact us right away for a free consultation. We’ll listen to your story, explain your legal rights, and develop an action plan to fight for full and fair compensation for you.
Will Health Insurance Cover My Injuries After an Accident?
Your health insurance can help cover your medical costs after a car accident. This is good news for you, because health insurance usually pays more quickly than car insurance claims. That means you will be able to recover a portion of your medical expenses promptly, though your regular co-pays and deductibles may still apply.
Be aware that your health insurer will expect to be repaid once you reach a settlement with your car insurance company. This is called subrogation. Having a knowledgeable car accident lawyer during subrogation is critical, because an attorney can often persuade the health insurer to reduce the amount that they are requesting from you. That way, you keep more of the money you need and deserve.
How No-Fault Car Insurance Works in Hawaii
When filing a personal injury claim after a car accident in Honolulu, you will file a claim with your own insurance company first, not the other driver’s. This is because Hawaii is a no-fault state. Drivers are required to go through their own insurance company when they are in an accident, regardless of whether they caused the crash. However, you may be able to step out of these no-fault limits if your injuries exceed $5,000 and meet the state’s serious injury threshold. At that point, you can file a liability claim against the at-fault driver’s insurance company for personal injury compensation.
It’s important to contact an experienced car accident attorney before accepting a settlement from your insurance company. Once you’ve agreed to it, there’s no going back — even if you later learn that your long-term expenses far exceed what you settled for. An attorney can help you place an appropriate value on your claim that accounts for the medical expenses that will have to be repaid to your health insurer as well as your lost income, lost earning potential, pain and suffering, and more. In other words, you’ll make a demand that truly reflects your needs.
How Can Recovery Law Center Help Me?
Acting quickly makes a difference after a car accident. Strong claims depend upon strong evidence — something that can easily get lost, destroyed, or forgotten in the aftermath of the wreck. Contacting a lawyer right away can help you protect and preserve such valuable information, which can deeply impact the outcome of your case.
At Recovery Law Center, Honolulu car accident lawyer Glenn Honda can help you with every aspect of your claim, including negotiating with your health insurance and auto insurance companies during the settlement process. We know how important your settlement is to you, and we’ll do everything in our power to obtain the compensation that will support your long-term health and wellbeing.
Let’s begin building a better future for you now. If you’ve been in an Oahu car accident, do not hesitate to contact us online to schedule a free consultation.