Second, the EOBs can be helpful if you have a health plan that requires reimbursement for the amounts they have paid from whatever you receive (in settlement or at trial) from the other driver's insurance company. Some health plans have a valid right of reimbursement, while others do not. You should seek the advice of a Missouri auto accident attorney if you have a health plan that is seeking reimbursement, as the plan may or may not be entitled to do so. If it is determined that you have a health plan with a valid right of reimbursement, then these EOBs can help you and your attorney keep track of just how much the health plan has paid, so you won't be surprised when the health plan makes its reimbursement claim.
Third, the EOBs can be important if your case is headed to trial because, in some Missouri cases, the judge may allow the jury to hear not only the total amount of your medical bills, but also, the amount that was actually paid on those bills. In other words, the jury may get to hear that your total medical bills are $10,000.00, but the total you had to pay (between you and your insurance company) is only $6,000.00. The EOBs are very helpful in this circumstance, because the EOB should list the total amount of the bill, the amount insurance paid, and the amount you had to pay on that bill.
In summary, if you have had an auto accident and your health insurance company has paid any of your bills, don't throw away those pesky EOBs. Your attorney will thank you for saving them!
