If any insurance company pays some of your medical or other expenses arising from your injury, the law provides for “subrogation”, which means that the insurance company stands “in your shoes” and can recover from the liable party some or all of the amounts paid on your behalf. If this is the case, they usually are required to pay their proportionate share of the attorney’s fee and costs in connection with the recovery. This is handled on a case-by-case basis.

Some of our clients are involved in an accident where there is no medical payments insurance, worker’s compensation or private health insurance. In such cases, your doctor will expect to be paid by you at the conclusion of this case. Often they will require you to agree, in writing, to have us pay them directly from the proceeds you receive. State laws sometimes permit health care providers to file a “lien” which must be paid out of the proceeds of your case. If your doctor asks you to sign what is often called a “lien letter”, be sure to contact our office. In some cases, it may not be appropriate for you to sign such an agreement.

Please be sure to record the following:

1. Lost work time and wages;

2. Other expenses resulting from your injuries, i.e., transportation, home care, etc.;

3. Pain and suffering;

4. Your physical limitations.

It is important to make your entries on an ongoing basis. A summary at the end of each month will not be as helpful to us. Copies of checks and receipts of payment, as well as the above records, will be very helpful when you may be asked by the insurance company or an attorney to recall your pain, physical disabilities, and any out-of-pocket expenses including medication.

While your case is pending against the insurance company of the person that caused your injury, we try to arrange to have your medical bills paid by your own insurance company. This could be from the medical payments provision of your own automobile insurance policy or your own health insurance policy, or if applicable, worker’s compensation insurance. Please be sure that all medical bills that relate to your injury are sent to our office, so that we may forward them to the appropriate insurance company.