HOW DOES AN ADJUSTER VERIFY MEDICAL TREATMENT SO THAT HE / SHE CAN SETTLE A SACRAMENTO AUTO ACCIDENT CLAIM?
Posted on Friday, January 30th, 2015 at 10:35 pm
There are many ways an Adjuster can Verify Medical Treatment so that He / She Can Settle a Sacramento Auto Accident Claim?
If you have been in an accident and you are experiencing pain, discomfort, dizziness, disorientation, numbness, tingling, or any other symptoms you need to seek medical treatment right away. This includes going to the hospital emergency room and undergoing a medical evaluation by a doctor. Your health depends on it.
Once you have received emergency medical treatment in an emergency department, you may find that you need to follow up on treatment.
If you have an auto insurance policy and you are in an automobile accident, you may have what is called medical payments coverage. Medical payments coverage is a type of coverage that is a part of your auto insurance policy coverage. You need to call your insurance company and specifically ask if you have medical payments coverage and what are the limits of the coverage. Consult a Sacramento Auto Accident Attorney if you need help working with your insurance company.
If you have medical payments coverage, your auto insurance company will pay your medical bills up to the limits of coverage. This will depend on how much you purchase at the time that you purchased your insurance policy.
In California, the general medical payments policy provides for any one of the following amounts, $1000, $2000, $5000, $10,000, or $25,0000. You can find out more about California auto insurance medical coverage requirements.
Your medical payments coverage can be exhausted in a rather short period of time, depending on the severity of your medical injuries.
If you are not at fault for the collision, the other driver’s insurance company will also be responsible for paying for the same medical bills for which your own insurance company has already paid. Consequently, you may be entitled to collect from the at-fault driver for the same set of medical expenses for which your insurance company has already paid.
But what are your options if you do not have health insurance or medical payments coverage? How can you get the medical treatment you need if you do not have the money to pay for the medical treatment being recommend?
Many primary care doctors in the Sacramento and Greater Sacramento region will perform medical services on a lien basis. A lien is a signed agreement between the injured party and the medical provider to pay for any services they provide to you once the case is settled.
Many medical providers will agree to set up medical liens so that you can get the treatment you need. Some of the typical medical providers who will treat on a lien include:
- Primary care physician evaluations and follow up appointments
- Physical therapists
- Chiropractic treatment
- Massage therapy
- Orthopedic evaluations
- Therapeutic and diagnostic Injections
- Imaging, including X-ray, MRI’s, CT scans
- Surgeries, including neck and back surgeries, fusions, disc replacement, etc.
- Psychological Counseling
You can get just about any type of medical treatment on a lien. So if you need medical treatment but are not able to get it because you have no health insurance, contact one of our Sacramento Personal Injury Lawyers now. We will be able to assist you with securing medical treatment you may not otherwise be able to afford.