You've been injured in a serious accident and receive a $100,000 settlement for your injuries. Your health insurance company covered most of your medical bills. The question: Can your health insurance company seek reimbursement for all the medical bills they paid to treat your injuries? An effective attorney can help you with these questions.
Georgia statute §33-24-56.1 is known as the "Reimbursement Statute" under Georgia law. This law prohibits the insurance company from being reimbursed "if" you have not been fully compensated for all economic and noneconomic losses. §O.C.G.A. §33-24-56.1(b). Determining "if" you have been fully compensated requires a complete understanding of Georgia law because the issue is often complex.
Another important consideration is that O.C.G.A. §33-24-56.1(c) prohibits your health insurance company from withholding or reducing your coverage as a setoff for reimbursement. The law also prohibits insurance companies from creating policies or contracts that conflict with the law. O.C.G.A. §33-24-56.1. The law also sets forth a procedure to be followed by the you, the injured party in providing notice of the personal injury claim to the benefit provider (O.C.G.A. §33-24-56.1).
The point is clear: understanding the law when reviewing your policy is vital to maximizing your negotiating position with stubborn insurance companies, to help protect the compensation you receive, for the injuries you suffered.
In order to ensure that your health insurance company is not unlawfully seeking reimbursement from you regarding your personal injury claim, it is important that you have a good Georgia lawyer who understands the law. Contact the Oinonen Law Group for a free initial consultation