When it comes to insurance the United States is a special case. Out of all the industrialized countries the United States is the only country in the world that does not have universal health care.To make up for this the U.S does offer its own form of public health care, but the vast majority of people are insured by various private insurance companies.
Understanding the inner workings of a private insurance company is a very perplexing indever. That is why it is always a good idea to contact a lawyer, like the lawyers at Inkelaar Law who have years of experience and will walk you through your options when dealing with insurance companies.
Public insurance is not a term commonly used in the U.S. it is more commonly known as medicare, medicaid, or children health insurance program (CHIP). These are basic programs the government provides for lower end families as such they are much more affordable than private insurance.
Private insurance on the other hand are not run by the government, they are run by several private health insurance companies with most being employer-sponsored plans. Still over half the country has some form of private health insurance. Although private health insurance is just as reliable as public insurance when it comes to coverage, these companies are not government entities as such they don’t tend to follow the same rule. That is why it’s always a good idea to contact a lawyer for help. At Inkelaar Law we have years of experience dealing with insurance companies and are always ready to help.
No one wants to be involved in an auto accident but statistically speaking you or someone you know will be involved in a car accident, so it’s important to know if you are covered by your health insurance.
Some states like Florida have a thing called personal injury protection, or PIP, this is a set amount that you have to have in case you get in a car accident to pay for any damages caused by said accident. Similarly most private insurance will cover a majority of the damages incurred during your auto accident, regardless of who is at fault. Where it gets tricky is that not all insurance are the same, some have a deductible that you will need to pay, some only cover a certain amount from the accident, and a very rare few cover everything.
Even though Florida is a no fault state, if you are able to prove that the other party involved in the accident was the cause behind it then you may be able to get compensation not just for your medical bills but for loss pay as well.
Understanding the inner workings of the insurance industry can be too much for people, the by-laws change yearly, they tend to use tricky words, and some just simply do not want to uphold their contract. That is why if you ever experience some sort of auto accident you should always consult a lawyer to see what your options are. At Inkelaar Law our lawyers have years of experience and will walk you along every step of the way. Call us at (813) 535-5574 or visit our website today and get started!
Disclaimer: The information contained in this article is for general educational information only. This information does not constitute legal advice, is not intended to constitute legal advice, nor should it be relied upon as legal advice for your specific factual pattern or situation.
