Post # 1
I was rear-ended a month ago. I have had neck and back pain since and kept thinking it would go away. I finally made an appointment and due to both their schedule and my schedule, I couldn’t get in til about 5 weeks after the injury. I told the car insurance (the other motorist’s whose responsiblity it is) and they told me to pay my copay, and then when everything was said and done, they’d make an arrangement. I went to the doctor today who told me they can’t bill my insurance for that and that I had to pay for the entire thing up front and then work it out with the car insurance. Fortunately, I could afford to pay the $180, but I am worried about getting it back. I am not trying to “get rich quick” but I do want to make sure I am not paying for these high bills, especially since it is way higher than I would have paid otherwise. Please help!
Post # 3
I had pretty bad whiplash from a car accident a few years ago. In my state, the insurance allowed me to bill the accident to them, and then they went to the other person’s insurance to get the money back. I would call your insurance to check with them that the doctor’s office is right that they can’t bill anything to your insurance for this accident.
Post # 4
Fi and I were rear ended last august… it’s going to depend on the state and your insurances etc… for us…
VA is a triple dip state.
1) First line is medical insurance.
2) A clean bill (i.e. summary of charges not amount left after insurance paid) can be sent to your own car insurance if you have a med pay, and this will not affect your rates. We did this, and we were refunded the difference that insurance paid, i.e. money in our pockets.
3) A clean bill is given to the offending parties insurance who then comes up with an all encompassing figure to pay your bills and time and suffering. We’re actually still fighting them for this! Essentially, they would give us a check which we should use to pay expenses related to accident and time off work, etc.
Again, state laws vary so get a few opinions. Also, our Chiro basically didn’t make us pay out of pocket up front, but made a “tab” that we would be ultimately responsible for if stuff fell through, but to be billed to insurances
Post # 5
Do you have med pay on your own insurance? if you do, it should cover your medical bills upfront. Also do you have health insurance which can cover this? If these two are not an option then yes you do have to pay upfront. As long as the other insurance company has accepted liability, (and has informed you in writing), and your medical bills seem reasonable, yes they will pay them.
Are you going to a chiropractor or a ortho specialist?
ps. i’m an attorney for an insurance company so this type of thing is a huge chunk of what my practice consists of.
Post # 6
There is no issue with fault- I was stopped at a red light and the elderly woman clearly admitted fault and apologized to me several times. Does this mean I shouldn’t have a porblem at least getting my medical bills paid for? I am not trying to make a bunch of money, and I don’t care so much about paying it up front as long as I know we will get it back, given that I left the doctor paying $150 more than I would have otherwise (and have another visit in 2 weeks).
Post # 7
I once leased a car that I swear was newer when I turned it in than when I first got it. This poor car got hit once every 6 weeks. Every time I took it to the body shop, they ordered 2 rear bumpers. The standard is 4x your medical bills to reimburse you for the bills, pain & suffering, etc. That is what insurance companies budget per incident (my aunt worked in claims for several major insurers). When you are 100% through with your medical, physical therapy, etc., ask the other insurance company for more than that, but don’t settle for less. If they won’t play, get an attorney. The attorney will cover it for nothing out of pocket, but take 33-1/3% of the settlement. Don’t sign anything until you are sure you are recovered and have a check in your hand.
THANK GOD I was never seriously injured. However, the last one put me in physical therapy for 3 months and I had pain for years. Whiplash is really no joke.
Post # 8
No! Call YOUR insurance company and open up a PIP (personal injury protection) claim. You have PIP protection as part of your auto insurance policy, regardless of who was at fault for the accident- (even though, if you were rear-ended, that other driver is 100% at fault for the accident). Please do not wait- call your insurance company and open up a PIP claim now. You should NOT be paying out of pocket for this- your insurance company should be covering your expenses as part of your PIP coverage.
If you have any questions, PM me. I used to be a litigation rep for an auto insurance company and used to handle cases all the time. And FI is an attorney for an auto insurance carrier.
Post # 9
They clearly admitted fault and paid for the damage to my car and my rental car. When they called me they asked if I was injured and I told them my neck and back hurt and they told me that if I decide to see a doctor to let them know. After I made the appointment, I let them know and they told me verbally to pay my copay and that they would get all the records at the end of everything and come up with an amount. They told me to call them after the appointment to let them know what I said.
I am seeing a DO who does osteopathic manipulation- she is great! She said my neck did look messed up. I asked her on a side note about preventing migraines since mine had been flaring recently, and she told me it was definitely the wreck. Their office does have strict rules on payments, and I can afford to pay it up front, but want to make sure I get paid back. I am not sure if I have med pay- I bet I do, but my dad says since I wasn’t at fault to leave my insurance out of it so that it doesn’t affect my rates. (Not sure if that’s accurate). Thanks!
Post # 10
@Georgia Bee: I have to disagree on the x4 your med bills thing. I’m a defense attorney for major insurance companies so I’m the person negotiating if another attorney gets involved. Unless there is SERIOUS injuries, i’m talking someone losing a limb, rarely does the Plaintiff walk away with more than two and half times the med bills, (and that now has to be split with their attorney as well). And even that is not a sure thing.
to the original poster: you really should not take too much advice on real life issues from a wedding discussion board, (including me). call your insurance company and discuss this with them.
Post # 11
I WISH it was 4x’s! We could have a sweet wedding off that! That’s actually why we’re still fighting them, and may have to lawyer up soon. They’re offering about 1.5 times the bills… And I had a fractured leg that couldn’t even have a sheet touch it for 18 weeks…
Post # 12
P.S.} Meowkers is right. And Georgiabee, I respectfully disagree. 4 times the meds is what you used to be able to get back in the day, it doesn’t work like that now.
To the OP: the laws vary from state to state (but not TOO much), and you should definitely CALL your insurance company. I’m sure your Dad means well, but he is not giving you accurate information. Your rates are not going to go up b/c you are trying to get coverage for injuries sustained in an accident- regardless of fault- but especially given you were NOT at fault for the accident.
ETA: What you end up getting in a settlement from the other vehicle’s carrier depends on many things- aside from the severity of your injuries, it also depends on how much the other driver is carrying on their auto policy.