Medical Bills - Evaluating Your Personal Injury Insurance Claim

The adjuster will reason if you were hurt badly enough to run up $500.00 in medical expenses than its correct to assume that your injuries must be substantial. But, if you see your chiropractor or physician only once or twice, and your final bills are in the vicinity of $100.00, that adjuster will assume you werent hurt too seriously.

DEMAND THAT ALL YOUR MEDICAL BILLS BE PAID: The adjuster may try to disallow a substantial part of your total medical expenses which he contends doesnt qualify as medical in character. Hell often attempt to divide your medical costs into two arbitrary parts - - Diagnostic and Treatment. In the Diagnostic category hell include items such as ambulance and emergency room costs, costs of X-rays, and other diagnostic procedures, plus visits to specialists. And the rest (principally costs of the hospital and regular office visits to doctors, physical therapy and medication) will be termed 'Treatment. The items that are categorized as Diagnostic expenses are the bills the adjuster would like to disallow as not being Medical types of activities.

He may try to do this because with a differentiation (between what is Diagnostic and what is supposedly true medical Treatment) the basic worth of your claim will have been drastically reduced, as the amount of your Special Damages and thus drastically reduce the true value of your claim. At that point the adjuster will argue that the Treatment portion of your medical bills thats directly related to the severity of your injury, therefore its what truly reflects (and measures) your Pain and Suffering.

Dont let him get away with that! If he should attempt to pull this on you tell him, Its absurd and illogical to separate medical expenses into two arbitrary categories and designate one as Diagnostic and the other as Treatment. Each area works hand-in-hand with the other in medical practice. I cant get properly treated without being diagnosed!

Hell gulp, because he knows what you say is true and that will usually be the end of such nonsense on his part.

PERMANENT AND/OR TEMPORARY DISABILITY: In discussing Disability. its important to develop a working knowledge of these two legitimate concepts. Commonly, personal injuries are classified as either Permanent or Temporary. These two terms are used basically to describe the anticipated duration of an injury, and not its degree of severity! Thus, if an injury is conceived as one which would continue throughout the remainder of an individuals lifetime, its said to be Permanent in nature. Conversely, if its a reasonable probably that the claimant will attain a full or complete recovery (within some future period) the injury is classified as Temporary' - - regardless of how severe or extensive the injury might otherwise appear.

TOTAL AND/OR PARTIAL DISABILITY: Another common classification of Disabilities will relate to whether they are considered to be Total or Partial. These terms refer to the actual extent of the claimants injuries, regardless of whether theyre permanent or temporary in duration.

THE FOLLOWING FOUR SPECIAL CATEGORIES

ARE REFERRED TO AND UTILIZED IN PERSONAL INJURY LITIGATION

  1. TEMPORARY TOTAL DISABILITY: This is symbolized by a seriously injured person who is temporarily hospitalized or otherwise completely impaired, although expected to eventually regain full function.

  2. TEMPORARY PARTIAL DISABILITY: This is that period when, following the initial period of complete impairment of the seriously injured party (that period of Temporary Total Disability), the party recovers and is able to resume some (but not all) formal activities.

  3. PERMANENT TOTAL DISABILITY: This describes a condition (usually applicable in the most sever cases, in which the injury produces a nearly total impairment to the body as a whole) - - again placing the emphasis both on the extent of the functional impairment and its duration.

  4. PERMANENT PARTIAL DISABILITY: This describes a condition where the injured party, (even after sustaining a permanent injury) still retains some substantial body function or earning capacity, with the emphasis centered on the extent of the functional impairment itself.

MEDICAL BILL COVERAGES: Read your Motor Vehicle Policy to discover if you have Medical Payments Coverage. Also check all your non-automobile insurance policies. You may have coverage(s) to pay your medical bills regardless of who was at fault. If you have a Health Insurance Policy and/or Health Plan of some sort, read the fine print. Your policy may not require you to pay back the medical bill payments made in your behalf - - even if you collect from the person who struck you!

DISCLAIMER: This article ~Medical Bills ~ Evaluating Your Insurance Claim, is intended for background information. Its only purpose is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go nor ARTICLE CITY make no 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 INDIVIDUALS RESPONSIBILITY to obtain it!

For more How To insurance claim insights read Dan Baldygas latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss). This book can be found on the internet at . This book reveals How To successfully handle your motor vehicle accident claim, so you wont be taken advantage of. It also goes into detail regarding the revolutionary BASE(The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the Pain and Suffering you endured - - because of your personal injury.

Copyright (c) 2003 By Daniel G. Baldyga. All Rights Reserved

Dan Baldyga - Author


19 Winona Drive, West Springfield, MA 01089


Phone: (413) 733 0127 FAX: (413) 731 8358


Mail to: dbpaw@attbi.com


AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM


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