Auto Accident Claim Filing
Auto Insurance claims work different from health insurance claim. They are base upon liability status and damage of a claim rather than a “no fault claim’. Payment of a claim depends proof of FAULT from the opposing vehicle. Sometime that situation may not be so obvious. Case in point, if you were sitting a red light and a truck slam in the back of your vehicle then it is obvious that the truck is the cause of your accident and thus the owner of the truck should pay for your damages. At this point his insurance represents him and began to pay for the claim.
However, when an accident happens at the intersection the one driver runs a red light but does not admit to the fault, it become less obvious. This situation may require professional legal counsel. In a party injured in the event, their own insurance may cover that cost under personal injury protect policy or uninsured motorist policy.
After liability is established, BURDEN OF PROOF is critical in payment of claims. BURDEN OF PROOF depends upon medical base evidence of injury. For instance, numbness and tingling in your arm maybe a result of the spinal disc injury. This maybe serious. PROOF of injury may require treatment, which may be estimated at from $60 to over $4,000.00. Diagnostic may range for $1,000.00-4,000.00. The cost of treatment and diagnostic may be expensive. Since the insurance company will only reimburse you for the treatment, YOU HAVE TO PAY IN ADVANCE. This becomes complicated. On one hand you may have to get treatment but the cost is too expensive. If you pay out of pocket you may get reimburse for the minimum medical reimbursement and continue to experience pain and discomfort. These pain and discomfort are generally due to inflammatory mechanism in you body which has led to many spinal degenerative disc disease, osteoarthritis and joint disease, fibromyalgia, anxiety, etc.
Health insurance plan can play a vital role in help to you settle your claim. They DO have an obligation to provide you with coverage for hospitalization and treatment. However, utilization of your private insurance with required upfront co-pay, deductible, and out of pocket cost. Your personal private insurance claim can also deny or legally demand reimbursement from you personal injury claim if they are aware that you have been involved in an accident with a liability claim. YOU MAY GET INTO A LEGAL PREDICAMENT THAT YOU DO NOT WANT BE IN.
Here are some common mistakes with injury claim:
1. Providing the carrier with lack of medical documentation
2. Being misinformed on how to file.
3. Entering into an agreement with a carrier and unable to establish proof once the claim is denied.
4. Lack of medical specialty to evaluate your claim.
5. Delay in medical care.
6. Not knowing the true diagnose of your injury.
7. Not getting treatment for you injury
DON’T MAKE THESE MISTAKES. WE CAN HELP.
WE DO NOT REINVENT THE WHEEL BUT MAKE GO FASTER AND TAKING YOU WHERE YOU WANT TO BE.