Minor Bike Accident Leads To $19,000 Medical Bill And A Legal Fight : Shots - Health News It was a surprise even for a family of lawyers. I have their email addresses. 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. The firm's website boasts that "we collect over 98% of recoverable dollars for the State of Nevada.". This figure was up 13% from the year prior and marks the highest number of bike related deaths since 1995. The Little Rock, Ark.-based firm did not return emails asking for comment. After receiving the accident questionnaire, Woodrum filled it out and sent it back. KELLY: All right. Pelvic fractures and rectal trauma are also major causes for concern. ROSENTHAL: Well, they knew how to handle it, and insurance paid, so they only owed their normal deductible. View Slideshow. Elisabeth Rosenthal, thank you for being here. WEISSMANN: Other people like his clients. The insurance company thinks maybe somebody else should be on the hook for this bill and sub out for them in paying 'cause there's been an accident. She referred questions to HealthScope Benefits about whether the program's policy is to deny claims first, then seek more information. What about, though, this bill - $19,000? KELLY: So a medical bill and lawyers - I feel my blood pressure going up already. This was just a kid who fell off a bike. KELLY: Well, I'm glad there was a happy ending to this particular story and wise words for the rest of us. Is California A No-Fault State For Car Accidents. The insurance company is trying to see if there's a way out of paying this bill. What happened next? The motorcycle … Long-term effects of bike accidents can be devastating, especially if the accident is severe. "Do not ignore it," says Domnick. And you go, well, nuts to you. I mean, I know who they are. The majority of long-term disabilities from bike accidents have to deal with head injuries. But I, from experience, know that other people do not know how to operate the system. It was a surprise even for a family of lawyers. When road rash does occur, it may require debris removal from the skin. Between 2000 and 2012, the amount of people biking to work increased by 64%. WEISSMANN: At the ER, they actually had to put the poor kid under. The teenager was a passenger on the bike. See, Adam's a personal injury lawyer. These issues often present themselves days or weeks after the accident. Here's your $18,000 bill.'". The dad is a personal injury lawyer married to another lawyer. There is also a risk of being impaled. ROSENTHAL: For the rest of us, it's important to learn a lesson from them. We are available to discuss your case anytime. What should the rest of us do? While not ideal, the length of treatment time will vary based on the injury’s severity. November 25, 2020. Who Is Liable in A California Car Accident: Owner or Driver? This metric is higher than all states in the country allow. WEISSMANN: Like, if you were rear-ended, the other driver or their insurance should be responsible. 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. His vehicle overturned, coming to rest on the passenger side. Take action. Of course, injuries can also occur from simply falling off the bike or hitting a curb. There has also been a major uptick in the amount of people that cycle to work. Your health is more important than anything. 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. KELLY: All right. A Kid, A Minor Bike Accident And A $19,000 Medical Bill. Do not take the advice of a massage therapist or some other individual that lacks proper training. Copyright 2020 Kaiser Health News. But also don't ignore scary bills from insurers or hospitals. You can also break or fracture any bone in your body, from your hip to your ankles or femur. The law firm sends out their own letter with the questionnaire. During the summer, Robert had a bike accident that resulted in a hefty bill from the family's insurer. About two weeks after the accident, Robert's parents — both lawyers — got the letter informing them of the insurer's decision. Adam kept an eye out for it, filled it out right away. Contacting a Lansing bike accident attorney at our firm will help you avoid the consequences of defending claims alone. WOODRUM: It's basically a contractual right. Surgical treatments may be needed when you have a fracture, break or a potential organ injury. Not all bike accident injuries are traumatic, but the ones that are account for the worst injuries. You’ll be severely injured in some bicycle accidents and escape relatively unscathed in others. And they end up in collections. "They took him on a stretcher to the ER.". For the rest of us, it's sub, like substitution. Dan Weissmann, host of the podcast "An Arm and a Leg," reported the radio interview of this story. Minor Injuries Sustained in Los Gatos Accident at Riva Ridge and Mountain Charlie Road. The bill from the insurance company led to subrogation, a process of determining which type of insurance is primarily responsible. 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. 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. The only way to know for sure what injury you have is to have a medical professional conduct imaging on the area. Two serious injury accidents were investigated by State Troopers in the area Counties over the weekend. WEISSMANN: But to Adam, it makes sense. Every month, NPR and Kaiser Health News take a close look at medical bills that you send us. 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? Around 20% of people killed in bicycle crashes have a blood alcohol concentration of 0.8 grams per deciliter. But while deaths do happen far more often than people hope, injuries are far more common. These treatments will require you to have a cast or suture. A Kid, A Minor Bike Accident And A $19,000 Medical Bill 05:41. Be clear about what happened. This is a term for a hurt arm as a result from a motorcycle fall or accident. He's since recovered nicely. 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. Some cyclists don't realize they've been injured until several hours after the accident. 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. blog home Car Accidents Motorcycle Accidents Motorcyclist sustains minor injuries after crash on SR-94 Motorcyclist sustains minor injuries after crash on SR-94. Once again, if it’s anything more than just a minor bingle, refer to the article previously mentioned. A bicycle is no match for a motor vehicle. So I think for patients, the first is our perennial lesson - don't just pay the bill. Julie Appleby Adam Woodrum and his son, Robert, get ready for a bike … Elisabeth Rosenthal is still with us, listening in. If an insurer denies all payment for all medical care related to an injury, suspect that some type of subrogation is at work. First, how is Adam's son? You might fit … Bike accident injuries can be life-changing, and if you’ve been injured in a bike accident, a good injury lawyer may be able to help. The patient: Robert Woodrum, covered under his mother's health insurance plan from the Nevada Public Employees' Benefits Program, Total bill: $18,933.44, billed by the hospital, Service provider: Carson Tahoe Regional Medical Center, part of not-for-profit Carson Tahoe Health, Medical service: Stitches and anesthesia during an emergency department visit. A person may suffer from overuse injuries, but these are often not serious and do not occur due to accidents. Robert received stitches and anesthesia at Carson Tahoe Regional Medical Center. 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. If you've been injured in a car crash or your kid has broken an arm, requiring a trip to the ER, you might just get a legal document in the mail asking for more information before your health insurance will pay the bill. Males account for 88% of all people, age 20 – 24, injured on bicycles. But he and his wife are both lawyers, and so they knew something was up. Transcript provided by NPR, Copyright NPR. And let the hospital and doctors know why you're not paying the bill so they won't go after you. The claim, it said, included billing codes for care "commonly used to treat injuries" related to vehicle crashes, slip-and-fall accidents or workplace hazards. Please sign here. Even minor bicycle accidents can put victims through considerable pain and suffering. Adam Woodrum, who lives in Carson City, Nev., got one of those letters concerning his 9-year-old son. It was paid in September, two months after the accident. Tweet Share on Facebook Share on Google+ Email. 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. ", 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. Bike accident injuries are more common than people think. 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. He's back on his bike. Tell us about it! WEISSMANN: So people ignore those letters, and their insurance doesn't pay the medical bills. A person that is wearing eye protectant may be able to lessen their risk of eye injury while cycling. Because they were on bikes, he called the fire department in Carson City, Nev. "They were great," says Woodrum. Is he OK? Inform your insurer and all other parties of the actual circumstances of the injury. If you’re wondering about intoxication, it does play a major role in the death of bicyclists. "Time and delay can be your enemy.". The only way to know for sure if a bone is broken is through imaging. WOODRUM: It's just ridiculous. HealthScope Benefits reconsidered the claim. A Kid, A Minor Bike Accident And A $19,000 Medical Bill ... See, Adam's a personal injury lawyer. Bill of the Month is a crowdsourced investigation by KHN and NPR that dissects and explains medical bills. Copyright © 2021 Hamparyan Personal Injury Lawyers San Diego, APC. Well, today we're going to hear about a particular kind of bill that can be alarming to receive. 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 legal name for the process of determining which type of insurance is primarily responsible is subrogation. If injuries occur, there could be immediate and future costs as a result of the injuries. The problem with head injuries is that they’re very serious. WOODRUM: I knew exactly what to expect, and I knew exactly how to handle it because I know how to operate the system. "Then they're a year out with no payment on their bills." Seek appropriate medical attention for any injuries sustained from the bike accident. A Kid, A Minor Bike Accident And A $19,000 Medical Bill. 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. Bicyclists account for 2% of all traffic-related deaths and injuries per year. Injuries can range from minor to disabling, such as limb amputations, spinal cord injuries, paralysis and Traumatic Brain Injuries (TBI). However, he says his insurance industry clients use subrogation to recoup payments from other insurers "as a cost-saving measure" because "they don't want to pass on high premiums to members.". KELLY: That is the good news. Recovering After a Bicycle Accident. During the summer, Robert had a bike accident that resulted in a hefty bill from the family's insurer. If you believe that you might have a broken bone or fracture, this may be seen with the following symptoms: If you do believe that you’ve broken or injured your bone, you’ll need proper imaging to confirm. And 60% of deaths are caused by head injuries. If you ride a bicycle, you know that you’re at a much higher risk of injury if an accident occurs. On some claim forms, there is even a box for the patient to check if it was an accident. The note also directed questions to Luper Neidenthal & Logan, a law firm in Columbus, Ohio, that specializes in helping insurers recover medical costs from "third parties," meaning people found at fault for causing injuries. It was a surprise even for a family of lawyers. Working with an auto insurance company is time-consuming and stressful, especially if the other driver’s insurer is involved. 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. Nonsurgical treatments are ideal. Even if you’re involved in a minor bike accident, there may be some serious issues that you don’t realize right away. I don't have any idea who you are or what this is. She's the editor-in-chief of Kaiser Health News. In 2015, 817 bicyclists were killed by motor vehicle crashes. Elisabeth Rosenthal, stay with us. During the summer, Robert had a bike accident which resulted in a hefty bill from the family's insurer. As of January 2020, 22 states, the District of Columbia, and more than 201 localities had bicycle helmet-use laws, according to the Bicycle Helmet Safety Institute. Let's just say that. Look for blood and think about any pains you may be experiencing. Kevin Ellis, 20, was on his bicycle when he was struck by a … Hamparyan Personal InjuryLawyers San Diego, APC275 W Market St #1000San Diego, CA 92101(619) 550-1355, Hamparyan Personal InjuryLawyers San Diego, APC2221 Las Palmas Dr, Suite HCarlsbad, CA 92011(760) 444-9006. Another letter also dated Aug. 4 soon arrived from HealthScope Benefits, a large administrative firm that processes claims for health plans. That's because auto insurers "are going to pay billed charges, which are highly inflated," says attorney Ryan Woody, who specializes in subrogation. The hospital received less than half of what it originally billed, based on rates negotiated through his health plan. Instead, traumatic injuries are directly attributed to an accident. Tendon and ligament injuries may also demand a surgical procedure. Adam Woodrum, who happens to be a personal injury attorney, runs into subrogation all the time representing his clients, many of whom have been in car accidents. The biggest factor that isn’t talked about is negligence. It's a ridiculous place to start from. 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. You’ll often feel a shooting pain if a bone is broken or fractured. A lot of bicyclists do not follow the rules of the road. A Kid, A Minor Bike Accident And A $19,000 Medical Bill It was a surprise even for a family of lawyers. https://www.wemu.org/post/kid-minor-bike-accident-and-19000-medical-bill The neck isn’t as common of an injury area as many people would think. Medical providers may have reason to hope that bills will be sent through auto or homeowner's coverage, rather than health insurance, as they're likely to get paid more. The knee (the cap of which is called the patella) is a joint between the upper and lower … WEISSMANN: And in the fine print, it said, we're denying this claim, but we could reconsider. Getting thrown off a motorcycle or colliding with another heavy vehicle can cause serious damage to the spine and lead to partial or total paralysis. Still with us is no match for a family of lawyers care related to an injury area as people. Another letter also dated Aug. 4 soon arrived from HealthScope Benefits about whether someone was! 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