After an accident, if the injured person doesn’t need emergency medical care, it’s still important for them to look for an accident doctor near me as soon as possible. Not only can this help them recover faster, but it can also help them with insurance claims, as well. Read below to learn why fast medical attention after an auto accident is important.

The Goal of Insurance Companies

Insurance companies, like any other companies, strive to be profitable. While they do pay to settle claims, they attempt to minimize the amount they’ll pay out for each auto injury. They do not want to end up paying for an injury that wasn’t caused by the accident or that otherwise doesn’t fall under their policies. For this reason, they look at all claims carefully to determine if the accident caused the injury and, if so, how much they should pay to cover the person’s medical care.

What Happens With Delayed Medical Care

If the person waits after the car accident to seek medical care, the insurance company may claim that the injuries did not occur because of the accident. They may try to state the injuries occurred after the accident during an event that is not covered by insurance and the person is seeking to cover it under the car accident claim to avoid paying the medical bills. It can be difficult to prove the accident did cause the injuries because the person waited too long to seek care.

What Happens With Fast Medical Care

With fast medical care, it’s easy to show that the accident was the cause of the injuries. There simply wouldn’t be enough time for the person to be injured another way. This will mean the injuries are far more likely to be covered by the insurance company and the person won’t have to pay the medical bills out of pocket.

When it comes to auto accident injuries, fast medical care can be important to help with recovery and to make sure the treatments are covered under the insurance claim. If you’ve been in a car accident, looking for an accident doctor near me to get fast medical care is always a good idea.

After an auto accident, the victim must act quickly and contact law enforcement. Next, they must get medical care to assess their injuries. If they do not have critical injuries, the patient could go to a chiropractor instead of the ER. The doctors provide a holistic approach to treating the injuries.

Documenting the Injuries

Why is my lawyer sending me to a chiropractor? Lawyers send their clients to a doctor to get medical evidence for their legal claims. Without evidentiary support, the claimant cannot prove that they have any injuries.

After an auto accident, the victim must contact law enforcement and report the accident. They must also visit a doctor to get a full assessment of their injuries. A chiropractor can follow all-natural practices to manage accident injuries.

Can They Avoid Surgery?

Why is my lawyer sending me to a chiropractor? The attorney can send the victim to a chiropractor to get a fast assessment, and the doctors will try to avoid surgery if possible. This could prevent the patient from undergoing invasive procedures that could lead to permanent nerve damage. The doctors do not recommend surgery unless there isn’t another way to treat the patient’s injuries.

How Much Will Ongoing Treatment Cost?

The chiropractor can identify all treatments the patient needs and create a care plan. The care plan outlines how much the therapies will cost and how often the patient needs to visit the doctor. The invoices show the court how much the patient stands to lose because of their accident injuries.

How Will the Injury Affect the Patient’s Life?

How the injuries affect the patient’s life defines how much medical care they will need in the future. If it is a permanent condition, they could need ongoing care for their entire lives. It can also increase their monetary award in a lawsuit.

An auto accident produces serious injuries that could become costly for the victim and change their lives forever. A chiropractor can identify the underlying cause of the patient’s pain and provide treatments for ongoing symptoms. Patients can learn more about the treatment by contacting the doctor now.

One of the main reasons people delay visiting a chiropractor after a car accident is fear of treatment not being covered by their auto insurance. However, this fear should not stop you from seeking treatment. You are legally entitled to use the personal injury benefit without penalty from the insurance company – whether or not you are at fault for the accident.

When you file a claim and seek chiropractic care through an automobile insurance company, keep the following considerations in mind:

Make sure you file a personal injury medical claim with auto insurance in addition to an accident claim

For those filing a claim, this can be confusing. Opening an auto accident claim only deals with and covers damage to the involved vehicles. For benefits and coverage for injuries, you’ll need to open a personal injury claim with the insurance agency. To take advantage of these benefits, complete a personal injury protection (PIP) form through the insurance company. Most insurance companies have these forms available online.  You can also find the personal injury protection forms at  Oregon Department of Transportation service centers. If you have questions on the filing, you can contact our staff who are educated on how to help.

PIP provides protection from costly medical expenses, fees, and lost wages. Sometimes referred to as “no-fault” coverage because – no matter who was at fault for the accident -you are entitled to use your insurance to cover any necessary treatment or expenses. In Oregon, the personal injury benefit is a minimum of 15,000 per incident, but you could have an increased benefit depending on your auto policy.

Filing a personal injury claim cannot raise your premium

If you file a PIP claim, your premiums will not increase so you shouldn’t be concerned about filing a claim for necessary medical care. Oregon’s statutes of limitations are fairly strict, and you must file your claim within two years. However, if you don’t use your benefit within the first couple of months from the accident, your insurance company is more likely to question if your injury is accident-related. To take full advantage of your benefits, you should file a claim as soon as possible if you’re injured in a motor vehicle accident.

Understand your insurance company’s payment structure.

How insurance pays for treatment depends on the individual company. Some pay as your receive treatment for your injuries, while others will wait until your treatment is completed and you are officially discharged from medical care. When you are discharged, it means you have attained your pre-accident status or reached maximum medical improvement, meaning your condition has been improved to the best of our ability. Our goal is to get you back to your pre-accident condition; however, results can vary based on the severity of the injury and previous health conditions.

Contact your insurance company with questions.

Your insurance agent or claim representative is there to help you understand your benefits and answer any questions you may have. However, if you have additional questions about how your chiropractic treatment will be covered, our billing specialists are available to help.  While they may have limited information about your individual policy, they can help you understand common insurance practices.

If you or a loved one are injured in a car accident, don’t wait to seek medical care from a chiropractor. Contact Accident Care Chiropractic immediately to schedule an appointment.  Receive comprehensive care for your motor vehicle injuries and be back on your feet and pain-free before you know it. For more information, visit our website to find a location near you!

When you’re going through life you don’t like to think about the worst-case scenario, but accidents do happen and the best thing you can do is be prepared should the unexpected happen so if you’re injured you can recover without the burden of added expense. According to estimates by the National Safety Council, more than 12 million automobile accident-related injuries occur in the United States every year. Personal Injury Protection or (PIP) offers protection from costly medical expenses, fees, and lost wages. In short, Personal injury protection (PIP) is an extension of car insurance available that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as “no-fault” coverage because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard to “fault,” or more properly, legal liability. This means that no matter who was at fault for the accident you are entitled to use your insurance to cover any necessary treatment or expenses

Here are some key factors to consider when it comes to PIP:

States with mandatory PIP coverage

  • Delaware
  • Florida[4]
  • Hawaii
  • Kansas
  • Kentucky
  • Maryland (unless a waiver is signed at initial purchase of the policy)
  • Massachusetts[2]
  • Michigan[5]
  • Minnesota
  • New Jersey
  • New York
  • Oregon
  • North Dakota
  • Pennsylvania
  • Utah

According to esurance, a division of ALLstate, here is what you can expect when it comes to PIP coverage: PIP offers vital protection from costly medical expenses after an accident. Because it’s such an important coverage, check the specifics of your health insurance plan and work-loss coverage, if you have these, to determine how much PIP coverage to add to your car insurance policy. Check to see how your health plan, in particular, handles expenses after a car accident. Though the specifics can vary greatly by state, PIP generally covers you, drivers listed on your policy, and your passengers.

In case of an accident-related injury, personal injury protection can cover:

  • Medical expenses: medical and surgical treatment, dental and optometric treatment, ambulance and nursing services, medication, medical supplies, chiropractic services, and prosthetic devices
  • Lost wages (in some cases): if you or your passengers are unable to work due to accident-related injuries, PIP can help you recover lost wages.
  • Substitute services (in some cases): if accident-related injuries keep you or those covered from performing household tasks, like cleaning, PIP helps pay for substitute services, like a cleaning crew.
  • Funeral expenses (in some cases): if accident-related injuries result in death, PIP can help pay for funeral expenses.

Although many injuries, such as a broken bone, are immediately apparent, there are certain injuries that may not manifest until a few weeks or several months after the accident. A whiplash car accident, for example, may not result in debilitating neck pain until a few months after the accident, making it difficult to seek early treatment. If you or a loved one was recently involved in a vehicular accident, it’s a good idea to set an appointment with a car accident chiropractor.

Accident Care Chiropractic & Massage in Gresham, OR is proud to offer patients automobile injury chiropractic care. We have handled thousands of patients who have suffered auto accident-related injuries over the last ten years, helping them recover from their injuries, beat their pain, and live their lives to the fullest.

Injuries we treat:

No two car accidents are the same, so it’s not surprising that there are a wide variety of automobile injuries that one could encounter after an accident. Whether you are suffering from car accident back pain or a concussion, our team of highly trained chiropractors and staff can help you. Some of the injuries we have treated over the years include:

  • Neck pain
  • Whiplash
  • Shoulder pain
  • Back pain
  • Herniated disks
  • Sprains
  • Strains
  • Arm injuries
  • Leg injuries
  • And much more

The last thing you probably think about when you get behind the wheel of your car is getting into an accident but protecting yourself and your family with the right type of insurance can make a huge difference when it comes to a successful recovery. Luckily, auto insurance covers 100% of our costs at Accident Care Chiropractic & Massage

PIP insurance

Sources:

https://en.wikipedia.org/wiki/Personal_injury_protection

Chiropractor | Whiplash | Car Accident |
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