Chattanooga Personal Injury Attorneys

Greedy Hospitals Exploit Car Wreck Victims

Greedy Hospitals Exploit Car Wreck Victims

Is that hard to believe? Well, it’s true.

Let’s say you are in a Tennessee car wreck. It’s the other driver’s fault. You are injured. You go to a Tennessee emergency room for your injuries and you present them with your health insurance card. But the hospital refuses to take your health insurance; maybe, they claim, your health insurance company won’t “let” them charge your care to your health insurance (a lie); or maybe they claim state or federal law won’t let them charge your care to your health insurance (another lie); or maybe they just say “that’s our policy”. Instead, they want you to sign a piece of paper (called a lien) that gives them the right to take any charges you rack up at the hospital (and the hospital gets to decide how big those charges are going to be-you don’t) out of any settlement or verdict you get from the at-fault driver’s insurance company. You’re hurt, you need treatment, you are under duress-so you sign. Many months later, you settle with the at-fault driver’s insurance company and find out that most of your settlement is going to the greedy hospital. You now have been victimized twice by the accident-once when the at-fault driver injured you and now by your nice, community hospital.


Absolutely not!


See, your health insurance, on your behalf, has negotiated very reduced rates for your medical care, whether or not you needed the care because of an accident. Your health insurance card is like a Costco or Sam’s Club card. But, instead of getting a discount off your groceries, it gets a discount off your medical care. So, if the hospital bills your health insurance. The hospital has to accept this extremely reduced rate, usually 20 to 30 percent of the made up and exploitive charges the hospital is trying to squeeze from you.


If the hospital avoids submitting the bill to your health insurance company, they can file a lien against your accident claim under the Tennessee Hospital Lien statute which says in pertinent part:

… (a) Every person, firm, association, corporation, institution, or any governmental unit, including the state of Tennessee, any county or municipalities operating and maintaining a hospital in this. state, shall have a lien for all reasonable and necessary charges for hospital care, treatment and maintenance of ill or injured persons upon any and all causes of action, suits, claims, counterclaims or demands accruing to the person to whom such care, treatment or maintenance was furnished, or accruing to the legal

representatives of such person in the case of such person’s death, on account of illness or injuries giving rise to such causes of action or claims and which necessitated such hospital care, treatment and maintenance.

To keep the hospital from filing a lien under the Tennessee Hospital Lien Statute, you need to: 1) remind them that as a member of your health insurance plan they are contractually obligated to file their charges with your health insurer; and 2) that until you actually see money from the at-fault driver’s insurance company, you don’t know if there is any other way to pay the bill other than through your health insurance company.



No, it doesn’t. If you have health insurance, hospitals generate two important “charge” numbers on the medical bill. The first charge is the amount the hospital would charge if you had no health insurance. That’s the big number. The second charge is the amount, after contractual write-offs, that the health insurance company will pay. The only charge we at Dennis and King submit for our clients, is the larger charge—-the amount the hospital would bill you if you had no health insurance and the amount the hospital wants to squeeze out of your car wreck verdict or settlement if you are unable to make them submit your bill to the health insurer.

Since your settlement or verdict is based on the higher amount, the difference between what you have to pay back to your health insurer (sorry, you do have to pay them back from your settlement or verdict) goes in your pocket, not the hospital’s pocket.

Think of it this way, if you make the hospital use your health insurance, you are getting to purchase your medical care at wholesale prices and then reselling it to car insurance companies at retail prices. You keep the difference between the purchase price and the selling price.

Not revealing how much health insurance paid is perfectly legal. Remember, you have been paying a huge amount every month for your health insurance. Courts have ruled that car insurance companies do not have the right to benefit from your purchase of health insurance, only you are entitled to the benefit


If it is too late, and the hospital has already filed its lien, getting the health insurance company to pay your hospital bill at a reduced rate is difficult and would require lengthy litigation, delaying you getting your fair settlement. (Health insurance companies are just as greedy as

hospitals and don’t like paying claims no matter what their contract with you and the hospital requires them to do.) However, all is not lost. Frequently, the award-winning lawyers at Dennis and King can negotiate a reduced rate for auto accident related charges. That means more money for you.

To speak with an experienced Tennessee and Georgia personal injury and auto accident attorney call us at (423) 892-5533. We have attorneys ready to personally speak with you NOW to discuss your Georgia or Tennessee car wreck and medical treatment you’ve had and will need in the future. We can take steps to make sure you receive the most of your settlement instead of it all going to a hospital or an attorney.

By |2022-10-13T19:48:38-04:00October 13th, 2022|Accidents|0 Comments
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In almost all personal injury claims, insurance companies will offer you significantly less than what you deserve. It’s tempting to accept the first offer, especially if you are in a great deal of pain and unable to return to work. But if you’ve already taken a devalued settlement from the insurance company and your medical bills start to pile up, there’s little legal recourse to ask for more. That’s why it’s crucial to involve a Chattanooga personal injury lawyer before you even file a claim.

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Chattanooga car accident lawyers Tricia Dennis and Russell King have recovered millions of dollars in Georgia and Tennessee for car and motor vehicle accident victims like you.  If you or a loved one has been injured and need help with your medical bills, then you have come to the right place.   Auto accident victims and their family members in East Tennessee and North Georgia can confidently rely on the experienced auto accident attorneys at Dennis and King. We are the law firm that has compassionately, yet effectively, helped victims and their loved ones navigate the aftermath of difficult situations.

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Truck accidents in the United States are on the rise. Recent statistics show that almost 150,000 people are injured in truck accidents each year, and 6,000 people are killed. The regional area of Georgia and Tennessee is a crossroads and a center for car manufacturing, river traffic, and other industries. Large trucks, semi-trucks, 18-wheelers, and other commercial vehicles are constantly on the road. This has a downside as frequent truck accidents occur on I-75, I-24, I-59, Highway 153, U.S. 27, Amnicola Highway, Corridor J, and other roadways. If you or a loved one has been injured in a Georgia or Tennessee truck accident, you may be eligible for substantial compensation.

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Experienced Chattanooga motorcycle accident lawyers Tricia Dennis and Russell King are avid fans of motorcycles, but they also realize how serious motorcycle accidents can be. With over 75 years of combined experience, Dennis and King Injury Law knows the legal process to achieve fair compensation for motorcycle crash victims. Contact one of our lawyers today to learn more about how to start your motorcycle accident claim.

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Under both Tennessee and Georgia law, ATVs are not authorized for use on paved road, but children continue to bring ATVs on to our roads and highways. Georgia and Tennessee laws also prohibit the carrying of passengers on most ATVs, require children below the age of 16 to take approved ATV training courses, and require kids younger than 16 to wear helmets, eye protection, and over-the-ankle boots when operating ATVs. However, these requirements apply only when ATVs are operated on public lands, leaving kids essentially without protection when riding ATVs on private property.

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The most tragic type of bicycle crash is a bike-car collision. Cyclists are completely defenseless traveling on 30-pound bikes when they’re surrounded by 3,000-pound cars and trucks racing by them. Pedestrians, defective bike parts, recalled bike helmets, and other ineffective bicycle safety equipment can also cause bicycle accidents. Bike accidents can result in wrongful death or serious injuries such as broken bones, amputation, traumatic brain injury, neck, back, and spinal cord injuries.

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One of three factors usually cause boat accidents: an inexperienced boater, an intoxicated operator, or a boat malfunction. More than a third of both fatal and non-fatal boat accidents are alcohol-related. It is estimated that boat operators with a blood alcohol content of .10 or higher are 10 times more likely to be injured or killed in a boat accident than sober operators.

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No one ever expects a family member or friend to be the victim of abuse or neglect in a nursing home. However, abuse and neglect do occur every day and in many ways.

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Premises Liability

Premises liability is a vital facet of personal injury law, placing responsibility on property owners for maintaining a safe environment. When accidents occur due to negligence or hazardous conditions on someone’s property, victims have the right to seek compensation. This encompasses incidents like slip and falls or inadequate security leading to assaults. Dennis and King excel in handling these complex cases, tirelessly pursuing justice for our clients.

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During your initial strategy session, we will assist you in creating a strategy in how to best pursue your claim, whether it be the result of a car accident claim, 18 wheeler injury, or, other kind of personal injury claim.

There are 5 points to your free claim strategy session:

  • First, we will listen to your story. You will have a chance to tell everything to someone who wants to hear what happened to you.
  • Based on the information you provide, we will give you our best advice on both what claims you have and the next steps you should consider to go forward with your claim.
  • If you claim is something that we think we can help you with, we will explain the services that we can provide for you, and what the next steps are that we should take. We will start working immediately.
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  • Either way, what should happen is we will put to rest some of the unknowns that you may be experiencing. We will start to shed light on what you can expect and how to best pursue the benefits you deserve.