Your neighbor is correct if you have that coverage (medical payments) in your insurance policy. The other insurance company will not pay your bills as you incur them. They will wait as long as possible. Most chiropractors and doctors want to get paid right away. You should get your bills paid now by submitting them for payment to your insurer. You should also consult with an experienced personal injury lawyer to maximize the compensation you will receive.
Your insurance will only pay your medical bills if you carried that type of coverage under your policy. If you didnt pay for that type of coverage, then you need to submit a claim to the other driver's insurance carrier. However, they don't pay as you treat. They will only cover your bills as part of your settlement. You should hire an attorney to help you maximize your recovery.
I live and work in California and deal with accidents like yours all the time, so I am happy to answer your question. Your gut instinct is right that you have questions regarding your rights and your case. I've handled a good amount of accident cases and know this to be true that insurance companies give cases like yours a hard time even if the police report finds the other person at fault. You should hire an attorney now before you hurt your case (happens unfortunately very often). You should hire a lawyer to help you out with the claim because regardless of the outcome of the police report insurance companies give unrepresented people a tough time. I've handled cases and referred clients to great doctors in the Long Beach, CA area.
At our firm we always refer clients to all kinds of doctors and chiropractors when our clients are injured and our clients never pay anything upfront, not even a copay. The doctors are willing to do this because an attorney is on board. You are entitled to have your property damage, medical bills and future medical expenses PAID FOR BY THE OTHER PARTY'S INSURANCE. The attorney you hire will handle the claims process from start to finish.
But you are going to need to see a specliast to even get a shot at getting future medical treatment from the Defenedant. Moreover it sounds like the accident is completely the other persons fault so you don't want this case to become a difficult one because of lack of inattention. The insurance company will make you believe that your case is worth very little... Regarding pain and suffering, you need to speak to an experienced attorney that can strategize your case. Just because you were in an accident doesn't mean you have pain and suffering, at least thats what the insurance companies think. Make no doubt about it you have a great case, but you need help from a professional. You are entitled to your medical bills being covered as well.
Do you feel that you are at the same medical condition that you were before the accident? As a basic premise I wouldn't handle your claim by yourself. The attorney you hired can likely refer you to a doctor, if you ask for one, who will see you with no upfront payment! I've done this many times to help my clients out. You should not wait a single day to hire a lawyer, we will advise you on the strategy of your case. There is no upfront cost to hire an attorney.
With a case like yours it seems like you have some good facts in order to get a high settlement, but your case definitely needs to be developed further to corroborate your story. The most important thing when building your case are: liability (were you at fault); how bad are your injuries to your body. A lot of these things sound like they are not complete yet in your case so its something that is worth hiring an attorney for in order to get a sense of whether you have a case and what the strategy would be for you to build a strong case! I've handled cases and/or spoken to clients in the Long Beach, CA area.
Its very possible that your case is worth more than the $$$ that the insurance company will offer you by yourself. Make your life easier and call an attorney today, you won't regret it.
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If you have medical payments insurance, your insurance company will pay reasonable chiropractic bills as they are incurred. That's reason enough to involve your own policy. Be aware, however, that if you make a claim against the other guy, your insurance company may be entitled to reimbursement of the amounts claimed.
If you have coverage your insurance company should pay the charges.
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Retain a local personal injury lawyer to get maximum compensation. Avvo has a terrific "find a lawyer" tool to locate a top-rated Avvo attorney with a low contingency fee. Good luck.
Do not speak to the other driver's insurance company. They do not care about you in any way, shape or form and are only looking to get as much information from you to provide as little compensation as possible. Contact a local personal injury attorney to discuss the facts and determine what the best options are for obtaining the compensation you are entitled to.
Miguel A. Amador is licensed to practice law in Florida and the District of Columbia only. The information provided is for general informational purposes only and is not intended to be legal advice. No attorney-client relationship is formed nor should any such relationship be implied. The information provided is of a general nature is not intended to substitute for the advice of an attorney
Your med pay coverage should pay the bills. State Farm med pay requires you to reimburse them if you settle with the other ins co and get paid. There are arguments to reduce the amount to be reimbursed. The other ins co wont pay until you agree to sign a release of claims.
Be careful of chiro only treatment. I always suggest the client see an MD as well to hopefully confirm the treatment youre getting from the chiro is reasonable and necessary, and actually working. Ive seen people run up huge chiro bills and then have a problem getting much or enough in the settlement. You might want to talk to a local atty.
Your auto insurance medical payments insurer, or your health insurer will pay. Whichever one pays will be subrogated to your rights to recover the value of its payments from the at fault party. You will have a contractual obligation and/or statutory obligation, to re-pay that party from the proceeds of your personal injury claim, if any. You can usually negotiate a lesser payment at the conclusion of your personal injury claim.
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