AUTO INJURY RECOVERY SPECIALISTS
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:
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.
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.
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.
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.
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:
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.
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.
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:
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.
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We Specialize in Car Accident Treatment & Recovery
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