So a physician, an insurance agent and a patient walk into a courtroom. Sounds like the start of a clichéd joke about a courtroom brawl, right? Instead, imagine the doctor, the insurer and patient entering the courtroom as allies seeking restitution from a negligent third party.
When it comes to accidents and personal injuries, too often those responsible don’t end up paying for their actions. As a result, accident victims, health care providers and the business community face financial hardship. The patient may be bankrupt due to his or her injuries. The physician cared for the patient, and now the bills are overdue. The insurance provider must raise premiums after paying for claims that the responsible party should cover.