What Happens After Your Injury?
A spinal cord injury is damage to the spinal cord that results in a loss of function, such as mobility and/or feeling.
Injuries to ligaments that hold bones together, breaks, chips or cracks in bones, or separation of a bone its normal position at a joint.
Injury to a nerve can stop the transmission of signals to and from the brain, preventing muscles from working and causing loss of feeling in the area supplied by that nerve.
A concussion is a type of traumatic brain injury (TBI) that occurs when your brain strikes the inside of your skull as a result of a sudden change in movement or momentum, such as during a car crash.
Most major chronic inflammatory disease can be linked to traumatic accident such as a car wreck. These injuries are long lasting disability of trauma leading to the loss of work, and daily activity. Finally, loss of money is the end result.
There are many benefits of filing a claim. Filing a claim will allow you to get medical treatment and insurance reimbursement of money owed to you after an accident. Often time most people neglect their care and won’t file a claim. They realize later on that the have to spend money out of pocket to replace property damage and their healthcare. For example, insurance company will only pay for the market value of your car, but your debt to bank may not be covered. In addition, you may have to come down with additional moneys for a down payment of a replacement vehicle.
Another common mistake, is not obtaining proper treatment for your injury. Most often an injured person would visit his/her doctor one time to get medication. The injured person would settle with the insurance company for a minimal amount of money thinking that his/her private insurance will take care of future expenses not realizing that they will have to pay deductible and co-pay expenses for their medical care. Your private insurance may denied the claim because of the auto injury claim and pre-existing condition.
Methods for Filing Uninsured (UIM) or Underinsured Motorist Policy
The benefit of the claim filing is that the patient can consult with the medical provider directly through PIP and settle out of the UIM policy.
With this method, the settlement to the patient can be up to 10k-20k. Some of the initial money can be paid to the patient within 3 weeks.
This type of filing is when the other vehicle is at fault but there is not any other coverage.
Because third person claim does not pay to the provider but only settle to the patient.
That means that the medical bills are not secure.
The patient is limited to medical care and Benefits.
We can only allow 3 visits or up $1000 of care.
Then the patient is asked to pay a $80 deductible per visit.
The other option will utilize an attorney. With the attorney, the following can be used:
Simple Personal Protection Insurance
Personal Protection insurance can be filed regardless of fault. The medical claims will be paid to the provider.
An auto accident can leave a long lasting disability to your neck and lower back. Because of the high speed and force into your body. Your neck, back, and other extremities may suffer long-lasting injury. For that matter, you will require proper treatment to the spine and lower joint to prevent disability. After a vehicle accident, the most important thing is your health and well-being. Without this, our quality of life is diminished. At Americana Injury we have a network of medical and chiropractic specialist to treat your injury. We can file a claim with your insurance company.
Auto accident injuries can have significant long-term effects on our life. These injuries typically are overlooked because claimant tends to want to settle there claim quickly. As a result, injury such as spinal disc injury and joint injury will ultimately lead to degenerative changes and disease that may be debilitating later. It’s important and the key to identifying your injury, treat your injury and get the most for your injury and future medical care. Communication with your insurance or the liable carrier is on your bodily damage and future benefits. Auto accidents and injury claims are the best to handle by a team of professional that is experienced in the industry. Our experience with handling these claims will provide give most assurance to your settlement success. We have a community of attorney that has success mediating and litigating for great settlement. We have a community of medical provider and specialist to treat your injury. We have pain management services to reduce pain and inflammation.
Frequently Ask Question
The insurance carrier wants to offer me $1000.0 for my injury. He wants me to see a doctor and send them the bill. Should I take the offer?
Accepting insurance money is up to the individual decision, however, once you accept the offer. You are then responsible for all your care including the medical bill, hospital bill, lost wages, and any future benefits. Accepting insurance offer will not relieve you of any court liens or financial responsibility. Accepting insurance offer will limit you to any injury treatment, diagnoses, or diagnostic imaging. Once again accepting the insurance company offer is accepting the disability that the insurance wants you to. Call us, we can you to get the best result.Can I use my private insurance to pay for my care and then negotiate with the insurance company?
Yes. It depends on the insurance company. Each insurance company has different underwriting process. Do not assume that all private insurance will honor your care. Check with your carrier. In most cases, your private insurance will subrogate or execute a lien against you or your auto insurance. If this occurs, then you maybe responsible for the amount not pay by both insurance carrier. Give us a call, we are able to process each claim to eliminate your cost or responsibility.
FILE A CLAIM
It is important to receive a proper value or settlement for your claim. Most claims do not get evaluated properly due to an urgency of the claimant wanting to take the least amount money that the insurance company offers. Just think about this. When you go to buy something do you want to pay the highest price? The insurance carrier will offer you the least amount to settle the case. Be smarter! We help you to get the most value settlement for your case. We have three location in Houston for your convenience. We have an excellent network of referral attorney who can help you with your claim if needed. LET US GET YOU THE MOST VALUE FOR YOUR CLAIM.