We learned that the driver’s blood alcohol content was shockingly high .28%. That is three and one-half times the legal limit for driving while intoxicated. Joe’s left shoulder had been causing him a lot of pain. But he had no health insurance or way to pay for a doctor. Joe’s problem was a common one for people who have been in a car accident. Many people don’t have health insurance or if they do, their plan refuses to pay their bills by claiming that:
  • the health insurance plan is secondary to the at-fault driver’s liability insurance company or other entity,
  • the ambulance, hospital, or doctor was out of network, the service was not necessary, or it was too expensive, or
  • vehicle crashes are somehow exempt from reimbursement.