Personal Injury Blog

What Effect Does Health Insurance Have on The Value of Auto Accident Claims in Maryland?

By: Matthew Tievsky

The short answer is: nothing. The value of your claim doesn't go down at all when you use your health insurance.

Maryland follows the "collateral source rule." This means that if you suffer losses in an automobile collision caused by a defendant, but you are partially compensated by a third party – such as your health insurer – the defendant is not let off the hook at all. If you incurred $10,000 in medical bills and your health insurer pays $7,000 of the bills, the defendant still owes you… $10,000 for the bills. (And perhaps more to compensate other losses, such as pain and suffering.) So if you have health insurance, there's no reason to hold back in using it after you are harmed in an automobile collision. You should use every means at your disposal to get your medical bills, and other costs, paid off.

Maryland Car Accident Lawyer

The only catch is that your insurance may require you to repay your health insurer to some extent, when you make a recovery against the defendant. But even then, your insurer is likely to accept less than a full repayment, meaning that you actually make more money in total by using your health insurance and pursuing an auto accident claim.

If you have any questions about how using your health insurance affects your auto accident claim, you should contact the Maryland personal injury attorneys at Chaikin, Sherman, Cammarata & Siegel, P.C.