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. 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. WOODRUM: I knew exactly what to expect, and I knew exactly how to handle it because I know how to operate the system. Males account for 88% of all people, age 20 – 24, injured on bicycles. Nonsurgical treatments are ideal. "Then they're a year out with no payment on their bills." KELLY: All right. Minor Injuries Sustained in Los Gatos Accident at Riva Ridge and Mountain Charlie Road. Some riders will become impaled by their handlebars, which often causes life-threatening injuries. And it just - almost instantaneously, he was on the ground crying, bleeding. 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. I mean, I know who they are. KELLY: That is the good news. You’ll be severely injured in some bicycle accidents and escape relatively unscathed in others. Bicyclists account for 2% of all traffic-related deaths and injuries per year. 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. The insurance company is trying to see if there's a way out of paying this bill. While neck injuries can and do occur, they’re far less common than head injuries and other injuries. In fact, neck injuries are quite rare in the whole spectrum of bike accidents. Dan Weissmann, host of the podcast "An Arm and a Leg," reported the radio interview of this story. Simple hand signals can help, or alerting another person of potential dangers ahead. 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. You’ll often feel a shooting pain if a bone is broken or fractured. And they end up in collections. I'm sure that helps. Could another policy — say, auto or home coverage or workers' compensation — be obligated to pay if someone was at fault for the 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. A Kid, A Minor Bike Accident And A $19,000 Medical Bill. What should the rest of us do? The problem with head injuries is that they’re very serious. Surgical treatments may be needed when you have a fracture, break or a potential organ injury. Contacting a Lansing bike accident attorney at our firm will help you avoid the consequences of defending claims alone. When road rash does occur, it may require debris removal from the skin. In 2015, 817 bicyclists were killed by motor vehicle crashes. Biker’s Arm. That's because auto insurers "are going to pay billed charges, which are highly inflated," says attorney Ryan Woody, who specializes in subrogation. It was a surprise even for a family of lawyers. The bill from the insurance company led to subrogation, a process of determining which type of insurance is primarily responsible. No driver was at fault. KELLY: Yeah. These treatments will require you to have a cast or suture. 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. Adam Woodrum, who lives in Carson City, Nev., got one of those letters concerning his 9-year-old son. 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. But, he says, the average patient probably wouldn't understand the legal quagmire and might not know how to fight back. Injured bicyclists are at the greatest risk of a head injury, and these injuries occur in 22% – 47% of all injured bicyclists. "It's like deny now and pay later," Woodrum says. We're going to get that story from Dan Weissmann of the podcast "An Arm And A Leg." Your injuries may have long-term consequences. November 25, 2020. All rights reserved. See, Adam's a personal injury lawyer. What happened next? You can also break or fracture any bone in your body, from your hip to your ankles or femur. A person may suffer from overuse injuries, but these are often not serious and do not occur due to accidents. And you go, well, nuts to you. To see more, visit, National Association of Subrogation Professionals. 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. She's the editor-in-chief of Kaiser Health News. Bill of the Month is a crowdsourced investigation by KHN and NPR that dissects and explains medical bills. Spinal injuries are one of the most devastating types of injuries suffered in a motorcycle accident. It's not uncommon for insured patients to be questioned on whether their injury or medical condition might have been related to an accident. 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. Inform your insurer and all other parties of the actual circumstances of the injury. For the rest of us, it's sub, like substitution. WOODRUM: I mean, this LNL Attorneys - I work with them probably once or twice a month. And I'm no doctor, but, you know, right away, you can tell that this is a stiches situation. The relationship between the … WEISSMANN: But a couple miles in, their 9-year-old son hit a snag. ", 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. After receiving the accident questionnaire, Woodrum filled it out and sent it back. Head injuries. Who Is Liable in A California Car Accident: Owner or Driver? Do you have an interesting medical bill you want to share with us? One of the most common injuries suffered in motorcycle crashes is road rash. Los Gatos, California (January 13, 2021) – A motorcyclist was hurt following a traffic collision at an intersection in Los Gatos Tuesday afternoon, a local news source reported. 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. Adam Woodrum and his son, Robert, get ready for a bike ride near their home in Carson City, Nev., this month. CHP Investigating Minor Injury Los Gatos Motorcycle Accident. 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. By Julie Appleby | KHN Wednesday, November 25, 2020. Recovering After a Bicycle Accident. NPR A Kid, A Minor Bike Accident And A $19,000 Medical Bill. This metric is higher than all states in the country allow. While not ideal, the length of treatment time will vary based on the injury’s severity. What to Expect After a Bike Accident. 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. WEISSMANN: So people ignore those letters, and their insurance doesn't pay the medical bills. Before you pursue a minor car accident claim, it is important to think about how serious your injuries are, factoring in the time and effort it takes to settle a claim. 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? Accidents, insurance claims - this is his everyday professional world. Knee pain. So the health insurance company's trying to get Adam on the record. Tell us about it! And, no surprise to Bill of the Month followers: When insurers can't agree, who gets a scary bill? Hamparyan Personal Injury Lawyers San Diego was founded so that Robert could bring more of his skill and knowledge to personal injury victims in all types of cases. Robert Hamparyan is one of California’s most accomplished personal injury lawyers. Pelvic fractures and rectal trauma are also major causes for concern. Robert received stitches and anesthesia at Carson Tahoe Regional Medical Center. If you ride a bicycle, you know that you’re at a much higher risk of injury if an accident occurs. WEISSMANN: At the ER, they actually had to put the poor kid under. Every month, NPR and Kaiser Health News take a close look at medical bills that you send us. An accident involving three semi-tractor trailers caused minor injuries and closed down state Highway 91 near County Road 9 on Monday morning north of Arlington. Copyright 2020 Kaiser Health News. This was just a kid who fell off a bike. Julie Appleby Adam Woodrum and his son, Robert, get ready for a bike … The rider crashed in the westbound lanes of SR-94 near Interstate 805 at about 8:57 a.m. Here's your $18,000 bill.'". KELLY: Well, I'm glad there was a happy ending to this particular story and wise words for the rest of us. KELLY: So a medical bill and lawyers - I feel my blood pressure going up already. A Kid, A Minor Bike Accident And A $19,000 Medical Bill. People are trying to save money and limit their impact on the environment, yet it does come at a much higher risk of serious, traumatic injuries if an accident does occur. They are: non-economic damages — include pain and suffering and other quality of life losses The insurer denied the claim based solely on the medical code indicating a possible accident. Let's just say that. And sometimes seemingly minor injuries later develop into serious and permanent problems. What that means to an insurer may be, hey, maybe we don't have to pay, which is not what you're thinking when you check that box. You might fit … These issues often present themselves days or weeks after the accident. Big Rig Rollover Crash Deaths Remind Us of Rural Highway Truck Accident Dangers. 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%. Long-term effects of bike accidents can be devastating, especially if the accident is severe. 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. 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.". About two weeks after the accident, Robert's parents — both lawyers — got the letter informing them of the insurer's decision. Originally published on November 25, 2020 6:44 pm. Health insurers, by contrast, have networks of doctors and hospitals with whom they negotiate lower payment rates. 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. Underlined for emphasis, one sentence warned that the denied claim would not be reconsidered until an enclosed accident questionnaire was filled out. 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. Despite consumers' unfamiliarity with the term, subrogation is common in the health insurance industry, says Leslie Wiernik, CEO of the National Association of Subrogation Professionals, the industry's trade association. Elisabeth Rosenthal, stay with us. 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. Fill out the forms they send you. The majority of long-term disabilities from bike accidents have to deal with head injuries. There is also a risk of being impaled. Statistics on how much money health insurers recover through passing the buck to other insurers are hard to find. ROSENTHAL: Well, they knew how to handle it, and insurance paid, so they only owed their normal deductible. 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. 4:01pm Nov 25, 2020. 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. "I hear the horror stories every day from people who don't know what it is, are confused by it and don't take appropriate action," Woodrum says. Cyclists can make the road much safer if they all looked out for each other. There’s a reason that everyone should wear a helmet. Check others for injuries, whether they are obvious, such as blood, or obscure, such as incoherent answers to your questions. But remember, they understood the game that was going on here. A bicycle is no match for a motor vehicle. 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. Tweet Share on Facebook Share on Google+ Email. We are available to discuss your case anytime. WEISSMANN: And in the fine print, it said, we're denying this claim, but we could reconsider. 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. The firm's website boasts that "we collect over 98% of recoverable dollars for the State of Nevada.". Tendon and ligament injuries may also demand a surgical procedure. Is he OK? During the summer, Robert had a bike accident that resulted in a hefty bill from the family's insurer. It was paid in September, two months after the accident. There has also been a major uptick in the amount of people that cycle to work. A person that is wearing eye protectant may be able to lessen their risk of eye injury while cycling. 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. All sides do their best to avoid paying. 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. 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. WOODRUM: We were navigating through some big tree planters, and his handlebar caught. The only way to know for sure what injury you have is to have a medical professional conduct imaging on the area. Between 2000 and 2012, the amount of people biking to work increased by 64%. And of course, the patient is caught in the middle. The dad is a personal injury lawyer married to another lawyer. Play. These injuries can be as simple as scrapes, or they can be traumatic brain injuries that demand the help of a personal injury lawyer. 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. Don't attempt to negotiate with the driver. 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. Around 20% of people killed in bicycle crashes have a blood alcohol concentration of 0.8 grams per deciliter. Once again, if it’s anything more than just a minor bingle, refer to the article previously mentioned. It was a surprise even for a family of lawyers. A process called "subrogation" began with a … 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. The takeaway: The mantra of Bill of the Month is don't just write the check. SAN DIEGO, CA – A motorcycle rider sustained minor injuries after a crash on State Route 94 on Tuesday morning, according to CHP.. Meeting and/or discussing your case with our attorney is completely free. "Do not ignore it," says Domnick. ADAM WOODRUM: I'd mapped out kind of a 10-mile route, and we were just going to kind of make a loop of the city. The good news is that these acute injuries are often minor, such as: Like with motorcycle accidents, with bycycle accidents Road rash occurs often, and this will leave superficial abrasions in many cases. The Little Rock, Ark.-based firm did not return emails asking for comment. It’s a matter of a community effort, which can help save the lives of cyclists. So I think for patients, the first is our perennial lesson - don't just pay the bill. The law firm sends out their own letter with the questionnaire. Is there somebody else maybe on the hook? Adam Woodrum and his son, Robert, get ready for a bike ride near their home in Carson City, Nev., on Nov. 7, 2020. The man was driving the motorcycle and suffered serious injuries, Burke said. Dr. Elisabeth Rosenthal is here to break it down for us. Some cyclists don't realize they've been injured until several hours after the accident. Elisabeth Rosenthal is still with us, listening in. You may not be able to move the extremity without pain, or you may not be able to move it at all. It's a ridiculous place to start from. 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. Often due to adrenaline, nerves, or simply the nature of an injury, cyclists do not immediately realize the severity of an injury. If you leave the accident scene, you may never be able to identify the at-fault driver. Your body, from experience, know that other people do not know how operate. From bike accidents can be devastating, especially if the other driver or their should... Or a potential organ injury after a bicycle, you can tell this... What happened to Adam, it was a happy ending to this particular and. Paid, so they knew how to handle it, filled it out and sent it back, lives. Received less than half of what it originally billed, based on rates negotiated through his health.! 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