A Lakeland man died Wednesday from injuries suffered in a traffic crash that happened on Dec. 26. Common injuries suffered include road rash, facial fractures and disfigurement, broken bones and burns. And let the hospital and doctors know why you're not paying the bill so they won't go after you. And 60% of deaths are caused by head injuries. 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. The patient. Dan Weissmann, host of the podcast "An Arm and a Leg," reported the radio interview of this story. The neck isn’t as common of an injury area as many people would think. Originally published on November 25, 2020 6:44 pm. Could another policy — say, auto or home coverage or workers' compensation — be obligated to pay if someone was at fault for the accident? A bicycle is no match for a motor vehicle. There was no liable third party, he said. Minor Injuries Sustained in Los Gatos Accident at Riva Ridge and Mountain Charlie Road. A person that is wearing eye protectant may be able to lessen their risk of eye injury while cycling. Before we go into the actual bike accident injuries that cyclists need to worry about, let’s learn a little more about the accidents. "You have insurance and pay for years, then they say, 'This is denied across the board. Let's just say that. When you hire a car accident lawyer to bring an auto negligence claim against the at-fault driver, you can only ask for two types of damages for your car accident injuries. "They took him on a stretcher to the ER.". The insurer paid $7,414.76 of the cost, and the Woodrums owed $1,853.45, which represented their share of the deductibles and copays. I'm intrigued but already stressed out because you're in a stressful medical situation, and then you're getting these, you know, letters from lawyers asking you to fill out forms. Health insurers say subrogation helps hold down premiums by reimbursing them for their medical costs. The motorcycle … WEISSMANN: But to Adam, it makes sense. Well, today we're going to hear about a particular kind of bill that can be alarming to receive. I mean, I know who they are. If you leave the accident scene, you may never be able to identify the at-fault driver. If you get an accident questionnaire, "fill it out, be honest about what happened," says Sean Domnick, secretary of the American Association for Justice, an organization of plaintiffs lawyers. While not ideal, the length of treatment time will vary based on the injury’s severity. While the insurers are duking it out over who will pay, the hospitals and doctors are often sending patients bills and threatening them and maybe even threatening collections. A Kid, A Minor Bike Accident And A $19,000 Medical Bill. And it just - almost instantaneously, he was on the ground crying, bleeding. But, he says, the average patient probably wouldn't understand the legal quagmire and might not know how to fight back. They are: non-economic damages — include pain and suffering and other quality of life losses A person may suffer from overuse injuries, but these are often not serious and do not occur due to accidents. But also don't ignore scary bills from insurers or hospitals. Between 2000 and 2012, the amount of people biking to work increased by 64%. ROSENTHAL: For the rest of us, it's important to learn a lesson from them. Take action. WOODRUM: I knew exactly what to expect, and I knew exactly how to handle it because I know how to operate the system. And, no surprise to Bill of the Month followers: When insurers can't agree, who gets a scary bill? 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. The problem with head injuries is that they’re very serious. Around 20% of people killed in bicycle crashes have a blood alcohol concentration of 0.8 grams per deciliter. All rights reserved. But while deaths do happen far more often than people hope, injuries are far more common. It's not uncommon for insured patients to be questioned on whether their injury or medical condition might have been related to an accident. You’ll often feel a shooting pain if a bone is broken or fractured. ROSENTHAL: That's right - a yikes moment. "It's like deny now and pay later," Woodrum says. First, how is Adam's son? Accidents, insurance claims - this is his everyday professional world. No driver was at fault. These issues often present themselves days or weeks after the accident. WEISSMANN: At the ER, they actually had to put the poor kid under. 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. Two serious injury accidents were investigated by State Troopers in the area Counties over the weekend. Tell us about it! Eye injuries are less common, but they can still occur. 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. 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. 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. WEISSMANN: Other people like his clients. Check others for injuries, whether they are obvious, such as blood, or obscure, such as incoherent answers to your questions. 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. Elisabeth Rosenthal, stay with us. WEISSMANN: But a couple miles in, their 9-year-old son hit a snag. The teenager was a passenger on the bike. But he and his wife are both lawyers, and so they knew something was up. And of course, the patient is caught in the middle. KELLY: Yeah. Our attorney will travel to your home, or hospital, at your convenience and request. Don't attempt to negotiate with the driver. https://www.wemu.org/post/kid-minor-bike-accident-and-19000-medical-bill Often due to adrenaline, nerves, or simply the nature of an injury, cyclists do not immediately realize the severity of an injury. Robert Hamparyan is one of California’s most accomplished personal injury lawyers. Adam Woodrum and his son, Robert, get ready for a bike ride near their home in Carson City, Nev., this month. Every month, NPR and Kaiser Health News take a close look at medical bills that you send us. The insurer denied the claim based solely on the medical code indicating a possible accident. Working with an auto insurance company is time-consuming and stressful, especially if the other driver’s insurer is involved. So I think for patients, the first is our perennial lesson - don't just pay the bill. Fill out the forms they send you. Simple hand signals can help, or alerting another person of potential dangers ahead. Contacting a Lansing bike accident attorney at our firm will help you avoid the consequences of defending claims alone. During the summer, Robert had a bike accident which resulted in a hefty bill from the family's insurer. And you go, well, nuts to you. ROSENTHAL: Well, this one involves what seems to be a growing problem - different types of insurers arguing about which one should cover your medical costs. I'm sure that helps. The dad is a personal injury lawyer married to another lawyer. Robert's bike crash led to an $18,933.44 hospital bill for stitches and anesthesia. You can also break or fracture any bone in your body, from your hip to your ankles or femur. But I, from experience, know that other people do not know how to operate the system. And the denial came before the insurer got information about whether someone else was at fault. blog home Car Accidents Motorcycle Accidents Motorcyclist sustains minor injuries after crash on SR-94 Motorcyclist sustains minor injuries after crash on SR-94. Cyclists can make the road much safer if they all looked out for each other. It’s a matter of a community effort, which can help save the lives of cyclists. Julie Appleby Adam Woodrum and his son, Robert, get ready for a bike … WEISSMANN: Like, if you were rear-ended, the other driver or their insurance should be responsible. The Nevada health plan's documents say state legislation allows the program to recover "any and all payments made by the Plan" for the injury "from the other person or from any judgment, verdict or settlement obtained by the participant in relation to the injury. What If My Motorcycle Accident Was Caused By a Defective Part? Even if you’re involved in a minor bike accident, there may be some serious issues that you don’t realize right away. Long-term effects of bike accidents can be devastating, especially if the accident is severe. Some riders will become impaled by their handlebars, which often causes life-threatening injuries. KELLY: That is the good news. A meta-analysis of bicycle helmet efficacy by Attewell, Glase, and McFadden (2001) estimated that bicycle helmets reduce the risk of head injury by 60% and brain injury by 58%. A Kid, A Minor Bike Accident And A $19,000 Medical Bill It was a surprise even for a family of lawyers. Elisabeth Rosenthal, thank you for being here. Biker’s Arm. Spinal injuries are one of the most devastating types of injuries suffered in a motorcycle accident. Meeting and/or discussing your case with our attorney is completely free. WOODRUM: It's basically a contractual right. On some claim forms, there is even a box for the patient to check if it was an accident. But there are some cold, hard facts that provide us with information we can use to be safer when riding a bike, such as: Males are statistically at a much higher risk of being involved in a bicycle accident. Accidents, insurance claims - this is his everyday professional world. 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. His vehicle overturned, coming to rest on the passenger side. Resolution: Because of his experience as an attorney, Woodrum felt confident it would eventually all work out. ROSENTHAL: Well, they knew how to handle it, and insurance paid, so they only owed their normal deductible. KELLY: Well, I'm glad there was a happy ending to this particular story and wise words for the rest of us. About two weeks after the accident, Robert's parents — both lawyers — got the letter informing them of the insurer's decision. WOODRUM: I mean, this LNL Attorneys - I work with them probably once or twice a month. Nonsurgical treatments are ideal. Tendon and ligament injuries may also demand a surgical procedure. During the summer, Robert had a bike accident that resulted in a hefty bill from the family's insurer. Another letter also dated Aug. 4 soon arrived from HealthScope Benefits, a large administrative firm that processes claims for health plans. When road rash does occur, it may require debris removal from the skin. Adam Woodrum and his son, Robert, get ready for a bike ride near their home in Carson City, Nev., on Nov. 7, 2020. 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. Also, if you have to fill out your own claims forms, beware of that little box we often see that says, was this caused by an accident? DAN WEISSMANN, BYLINE: One Sunday last July, Adam Woodrum and his wife and their two kids took off on a bike ride around Carson City, Nev., where they live. 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. What should the rest of us do? Play. This figure was up 13% from the year prior and marks the highest number of bike related deaths since 1995. When contacted, the Public Employees' Benefits Program in Nevada would not comment specifically on Woodrum's situation, but a spokesperson sent information from its health plan documents. Minor Injuries from Motorcycle Accidents That Can Become Serious; Being involved in a motorcycle accident can be an extremely scary matter, and the idea of escaping without serious injury is sometimes all you can ask for. Injured bicyclists are at the greatest risk of a head injury, and these injuries occur in 22% – 47% of all injured bicyclists. 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. He's since recovered nicely. Bike accident typically cause injury to the upper and lower extremities. He thought sending in his bill would be a good way to give more of us a heads-up. "Do not ignore it," says Domnick. Give us a call at (619) 550-1355. It was paid in September, two months after the accident. Is California A No-Fault State For Car Accidents. This is a term for a hurt arm as a result from a motorcycle fall or accident. There are a few things that you can check for following an accident if you don’t feel like something is wrong: Of course, move your extremities to determine if a bone is fractured or broken. "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?'". 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