Your Insurance Claim - Medical Insights And Expenses

by: admin | Total views: 99 | Word Count: 975 | View PDF | Print View

There’s nothing that has a greater impact on evaluating a
personal injury insurance claim than the damage done to your body, the
medical bills that are a direct result of that injury and the “pain and
suffering” you were forced to deal with.

Besides botching up your body (and sometimes your love
life) what else does the injury mean to you? It means a ton of
financial expense’s, including repairing your car, lost wages, a shock
to your life style, a tremendous inconvenience and short or long
periods of pain and discomfort - - all of it a direct result of your
injuries.

Plus, there's a long list of possible medical expenses.
For example: Doctor/Chiropractor, Prescription Drug Bills, Ambulance,
Emergency Room Care, Hospital or Clinic, Specialist and/or Dentist,
Laboratory Fees and Services, Diagnostic Tests, X-Rays and (CT) Scan,
Prosthetic Appliances or Surgical Apparatus (Canes & Crutches),
Physical Therapy, Registered and/or Practical Nurse Fees, Gauze and
Tape, Ace Bandages all of which the insurance company must pay whether
they like it or not!

Also, Creams, Lotions, Ointments, Balms and Salves, etc.
(Should the lady in your life apply any of these to your aching body
I'm sorry to tell you this but her labor is not an expense you can
claim).

YOU MUST BE COMPENSATED BY THE INSURANCE COMPANY FOR ALL
OF THE ABOVE: It's true that a very small percentage of auto accidents
cause big, serious injuries but that doesn't mean you shouldn't be paid
big, serious bucks!

EXAMINATION BY THE INSURANCE COMPANY DOCTOR: Claims
Adjuster Henry Hard-Nose of Rock Solid Insurance will usually try to
pull a fast one insisting he wants you to be examined by the physician
of his choice, the local medical con-man of all time, Dr. Nuttin'
Wrong. Beware of such a request. Doctors assigned by the insurance
company are notorious for stating, in the report they're paid big bucks
to execute, "There is no objective basis", for your complaints.

You don't have to agree to be examined by Dr. Nuttin'
Wrong. Rock Solid Insurance cannot insist that you submit to their
doctor for an examination unless your claim actually becomes a formal
court case. So, hold your ground until your attending physician, Ole
“Doc” Comfort, has released you. After that it's okay to agree to be
examined because by then it's too late! So much time will have passed
it will be impossible for Dr. Wrong to minimize the pain, discomfort
and suffering your injury has caused you.

WHAT TO DO ABOUT YOUR MEDICAL BILLS IF YOU MAKE THE
MISTAKE OF OBTAINING LEGAL HELP FROM ATTORNEY I. M. SHARP: Should yours
be a case in which there's no question that you're not at fault, make
it clear to the Legal Beagle you've hired, I. M. Sharp, Esquire, that
you expect his Contingency Fee will not apply to that which he recovers
for the damage to your car, your medical bills, and/or your payment for
lost wages. You tell him these are damages you would have collected
ANYWAY - - whether he was handling the case for you or if you settled
it yourself. Don't you dare be foolish enough to hand him a huge
percentage of that which you were going to be paid by the insurance
company, whether Attorney Sharp handled the case or not. To do so is
the height of financial stupidity!

YOUR BODILY INJURIES: It's a proven fact that the vast
majority of motor accidents cause minor injuries. While bodily injury
pain can be specifically measured the limits of what you can endure
cannot. Each of us has a different "pain threshold" - - that is, the
point at which we begin to feel physical pain. The amount and quality
of pain you feel is not strictly dependent on the bodily injury
inflicted. It has a lot to do with your previous experience, how well
you remember it, and your ability to understand what caused you that
pain, and its consequences, the last time around.

Stress and strain magnify physical pain plus personal
anxiety will greatly increase it. There are also emotional reactions to
the injury. A bodily injury is bound to cause some degree of mental
distress. The duration and severity that depends on a number of
factors: The type of individual you are, the ultimate consequences of
the injury you sustained, and the life stresses or strengths you're
experiencing at the time of your injury. (If you can't stand her and
she takes a powder you’ll handle your pain better if you really dig the
chick and she dumped you for your best friend)!

When it comes to muscle injuries one thing you must keep
in mind is that when one part of the body demands rest (by sending out
a pain signal) and - - without your even realizing it - - you help your
body by placing a new burden on other muscles. It gets complicated
because although those muscles may not have been directly injured in
the accident, they can still get buggered up and produce a lot of pain
because of their new role.

DISCLAIMER: The only purpose of this claim tip is to
help people understand the motor vehicle motor vehicle accident claim
process. Neither Dan Baldyga nor ( ??? ) make any guarantee of any kind
whatsoever; NOR do they purport to engage in rendering any professional
or legal service, NOR to substitute for a lawyer, an insurance
adjuster, or claims consultant, or the like. Where such professional
help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said
services.

Dan Baldyga’s latest book, AUTO ACCIDENT PERSONAL INJURY
INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on
the internet at http://www.autoaccidentclaims.com or visit your favorite bookstore.

Copyright (c) 2002 by Daniel G. Baldyga. All Rights Reserved

About the Author

For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.

dbpaw@attbi.com

Rating: Not yet rated

Comments

Add Comment

Copy and Paste Article Code.

Remember: The article body, title, author bio and links may not be changed or removed. By publishing this article, you agree to all the terms in our Terms of Service.

More articles in this Category

1: Why To Buy A quality HID Kit over Cheaper kits?
2: How to Start Bidding for Online Auctions
3: Make Your Job Easier With Tyre Machines And Wheel Balancers
4: Advantages of Nitrogen tyre inflation
5: Leasing versus Buying a Vehicle