Motor insurance costs reduced, hospitals increases
Colorado’s transition to a lack of answers based auto insurance system has resulted in lower premiums, but it has a financial burden for hospitals, emergency services and some drivers, according to a study.Two years after the insurance exchange during the year 2003, the average annual premium for a car has dropped by 10 percent to $ 827 in Colorado, while the national average has remained stable, according to the report Dir Bill Ritter von Denver-based BBC Research & Consulting.
At the same time, the driver of State have had less insurance and reimbursement of hospitals, treatment of victims of car accidents fell by almost half, while more than $ 85 million bill outstanding in 2006.
“More and more Coloradans have no health insurance, and their medical bills not covered by their insurance vehicle,” said Dave Bressler, director of Weld County Para Medic Services.
“In case more and more, we are not paid for our services and we are left with no way to absorb these costs,” says Bressler.
During 2003, Colorado no-fault insurance companies are paid for medical care of accident victims, regardless of the guilt of an unlawful act, where a pilot error or their insurers are responsible for payment.
Thirty-eight countries have crime based on information systems of the Insurance Institute in New York.
In Colorado, left many drivers without insurance to protect their medical needs, if it makes a mistake, according to the report.
The analysis for the office of governor has been appointed supervisor of six members, three representatives of providers of trauma and three insurance companies. Both groups have drawn different conclusions.
“We were at a low cost of automobile insurance in crisis,” said Carole Walker, executive director of Rocky Mountain Insurance Information Association.
On average, insurance premiums, Colorado, rose 14 percent between 2001 and 2002, up $ 921, according to the report, compared to a national rate of 7.5 per cent.
Walker said that most people in Colorado, health insurance to cover them in a car accident they generate.
No debt insurance once consumers of medical care paid double protection, “she said.
Consumer Health Advocates trauma and providers say consumers lost a lot in the switch, as professions and hospitals.
“A large proportion of consumers are in a hurry after a car accident and realize later, they have to cover,” said Sarah Blum Barnett, spokesman for the trauma Care Preservation Coalition.
In 2002, 75 percent of patients car accident, needs medical care hospitals have been replaced by private insurance, according to the report. In 2006, this figure was 49 percent.
In 2002, hospitals have been paid for 60 percent of maintenance vehicles have patients accident, according to new data, and 36 percent in 2006 - creating a loss of $ 85 million.
Peg Burnette, Chief Financial Officer Denver health, security of the city-net hospital and a trauma centre, their estimation of the hospital has lost $ 8 million per year since the switch.
The report also indicates that some of these bills unreimbused hospital were postponed for private health insurance and as an automatic result of a crime, changes to health care premiums by about 1, 5 per cent per annum.
Applications must be too. A State database also contains an increase of 21 per cent in the number of vehicles in case of injury Denver District Court, since 2002, with 3117 cases last year, records
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