Paid vs Incurred
What Are "Paid VS. Incurred" Medical Expenses?Our experienced attorneys can determine what medical bills you are entitled to cover, whether the requirements under the paid versus incurred rule have been met and the best strategies to present your damages.
The amount you’re entitled to collect for your medical expenses seems like a simple question, but unfortunately under Oklahoma law, it is anything but.
Insurance companies frequently will try to take advantage of what we commonly refer to as Oklahoma’s paid versus incurred statute. This statute provides an evidentiary rule regarding the admissibility of your past medical expenses and civil cases in certain circumstances and only if certain conditions are met. The defendant and his and her insurer will only have to reimburse you the amount actually paid by you or your health insurance rather than answer for the full cost of the medical expenses they cause and the result is that wrongdoers seek to take advantage of the health insurance benefits that you’ve paid for to reduce their financial responsibility for the harm they’ve caused. Insurers seldom seek to confirm the statutory requirements are met because they rarely, if ever, are before asserting that you are limited in what medical bills you can recover. An experienced attorney will be able to determine what medical bills you are entitled to cover, whether the requirements under the paid versus incurred rule have actually been met and the best strategies to present your damages. Fulmer Sill – billions of dollars recovered for our clients.