Insurance Claim - Medical Insights And Expenses
| 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).
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| 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.
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| 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. Where such professional help is
desired it is the INDIVIDUAL'S RESPONSIBILITY
to obtain said services.
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