Why Should My Insurance Have To Pay My Bills When I Wasn’t At Fault?

This is a question we hear all the time and for good reason. It seems completely unfair that your health insurance should have to pay for your medical treatment after an injury that wasn’t your fault. It wasn’t your insurance’s fault either so why are they even involved? Why should you have to pay your deductible and co-pay when you were the one who was hurt through no fault of your own?

In Colorado, the at-fault insurance company is what we call the “Third-Party Liability” carrier. Unfortunately, in the state of Colorado, a third-party carrier is not responsible for paying your bills as you incur them. It is actually your responsibility to make sure your bills get paid. The insurance adjuster for the other party might make you feel reassured and ask you to send them your bills, making promises that they will pay your bills. Well, they won’t. 

Insurance settlements come as a “lump-sum” when you have completed your treatment. That means, if you wait for the insurance to pay your bills while you are getting the treatment you need, you’ve likely already been sent to collections and you may find yourself in an even worse spot. 

Hiring an attorney can help you navigate this ever-confusing landmine of insurance. We can help make sure your bills are getting submitted to the right insurance company in a timely manner and can help you understand which bills you need to pay.