Monday, July 22, 2019

Personal Injury - Health Insurer's subrogation lights - Know the law


                In almost all injury cases, when the plaintiff gets injured they seek healthcare almost immediately. Most times the person’s health insurance company pays the bills generated by an accident in the first instance. Sometimes, this is a private company like Blue Cross Blue Shield, and other times it is government provided insurance like Medicare or Medicaid. In each scenario, both types of insurance will have a “lien” or right of reimbursement from the settlement an injured party can get from a third party insurance policy.

                Most commonly, it is a private health insurer like BCBS that pays the bills. As part of all health insurance contracts, the health insurer reserves a “subrogation” right through the contract. This allows the health insurer to get paid back through a settlement or judgment any medical bills that they paid that are being accounted for in the settlement. The theory is that a person should not be able to be paid twice for the medical service, which would lead to a sort of “double recovery”. This is built into the health insurance contract and is only triggered by the collection of actual settlement or judgment dollars. If you review your own health insurance contract, you will find this provision likely under the title “subrogation”.

                In other situations, the health insurer is a governmental agency like Medicare, Medicaid or Tricare (military insurance). These insurers have a statutory right of reimbursement. This means that, like the private insurers above, they have a right to be reimbursed from any settlement or judgment the insured receives for bills they have paid. Since these are statutory rights of reimbursement, it becomes imperative to understand these liens and coordinate the benefits in order to avoid having the plaintiff be sued in the future. This is because these liens are “automatic” and many people do not understand that such liens exist. It is very important to identify all types of liens in each case, and coordinate paying them back prior to reaching a settlement.

                This can also dovetail with a person’s auto insurance coverage in New Hampshire called Medical Payments coverage. Based on a recent decision by the New Hampshire Supreme Court, this medical payment coverage can be used to help off-set the cost of the medical treatment. In the first instance, this can be used to pay co-pays and deductibles. If money remains on the coverage, it can be used to reduce the health insurance lien. However, distinct from health insurance, medical payment coverage has no subrogation rights, and thus should be maximized in all cases. If you have insurance coverage issues related to an auto accident or other injury, the experienced lawyers at Parnell, Michels & McKay can help.

                Negotiating these liens can often yield to lower reimbursement amounts, which can only benefit our clients. Having an experienced personal injury litigation attorney becomes very important for any potential plaintiff. If you were injured and need help getting back to normal, contact the experienced personal injury attorneys at Parnell, Michels and McKay  and put our 50 years of combined experience to use.

Friday, July 12, 2019

Dog Bites Injuries



                Dogs are man’s best friend. Most of us have had them as a part of our families over the years. However, dogs (especially poorly trained dogs) can be highly dangerous animals. When they attack, they can cause lasting and permanent physical and emotional scarring. Some breeds (like pit bulls, German Shepherds or Dobermans) can cause even more significant damage because of their physiological makeup. These breeds are often black listed by insurance companies because of this. Often, insurance companies will charge higher premiums to dog owners who own dogs like a pit bull or Doberman. This is not necessarily because they are more aggressive than other dogs, but because the damage they cause is so much more significant.

                In New Hampshire, dog bite cases are strict liability. This means that the owner of a dog is strictly liable for injuries caused by their dog’s attack. So, an insurance company normally cannot claim that the victim of the dog attack contributed to our caused the attack. While there are exceptions to this rule (like deliberately antagonizing a dog), it is a very difficult defense to establish. Our firm also handles looking at whether other entities could be held responsible besides the owner, as it is not always just the owner’s fault for the dog attacking someone.

                While dog bite cases are not that complicated when it comes to liability, they are much more complicated when it comes to damages a person can suffer. Often, the injuries are open wounds but do not involve broken bones. They typically involve permanent scarring, which can have lasting effects both physically and mentally. It is also common to suffer significant emotional trauma from a dog attack. This can include the victim being unable to be around dogs for fear of their safety, or post-traumatic stress from the incident.

                At Parnell, Michels & McKay, we have experienced personal injury attorneys that can address all the ramifications of a dog attack. Contact us today if you were a victim of a dog or animal attack, and see how our team can help you.

Friday, June 28, 2019

Divorce - A Personal Perspective


DIVORCE
-          By Christian Bonnano
With almost 50% of all marriages in the United States ending in divorce or separation, most people you encounter will have one ‘crazy’ family story or another. Sadly, when I was 13 years of age, my parents decided it was time to end their marriage and get a divorce. At the age of 13, I did not fully understand why they were leaving each other and the circumstances around it. Nothing too bad was going on, in reality, they just weren’t in love with each other anymore and wanted to separate. Of course, they had their moments, but from what I have seen throughout my life, most divorces are very difficult.
At such a young age, my parents did not expose me to the legalities surrounding their divorce. I would constantly hear them arguing about property, money, and even me. At the time, I could care less about all of that, I really just wanted my parents to get back together, but as the years have passed I look back and wish they explained the concept of divorce a little better. All that arguing I heard them do had a deeper meaning and it took a few years before I fully understood why and what it was all about.
Through all the arguing and frustrations between my parents, they decided to work together to make sure I was happy. Growing up with divorced parents, I was allowed to live where I want and visit the other parent at free-will. Although they worked together to make sure my life was good, they could not work together when it came to money. Money is something my parents have always argued about and even to this day, with their limited number of conversations, do not see eye to eye on. When I was young, I really just thought they were complaining for no reason because I did not fully understand how child support or alimony worked; now, I see why there were many arguments and frustrations from both sides.
Overall, I appreciate what my parents did to assure my happiness, although I still wish they would have explained things to me back then. I completely understand the fact that I was 13 and might not understand, or even care, about the legalities surrounding their divorce, but I believe it would have helped me understand why certain things were happening. Today, I have a great relationship with both of my parents and both of them are doing great. Yes, they still argue, but most divorced couples do. At the end of the day, I know they are both there for me and love me and that’s all I could ever ask for.
Moving on from my life story, I think it is important to note an interesting fact about divorce in New Hampshire.
1.       New Hampshire is a no-fault and a fault state.  – No fault divorces mean that there does not have to be a reason for divorce. If a couple decides they have had enough of each other, like my parents, then they can separate. At fault divorces mean there is a specific reason of separation, such as cruelty, incarceration, alcoholism, etc. This makes it easier to get a divorce, and makes the process simpler and with less animosity. This is one of the reasons collaborative law (https://www.pmmlawyers.com/collaborative-law.asp is an important development as well. 
As my internship at Parnell, Michels & McKay moves forward, it is interesting to learn the application of these rules, especially with the great lawyers I am able to work with. The law is ever changing, and understanding the law is important for anyone interested in a legal career like myself.