by Guest » Thu Sep 18, 2008 10:43 am
My son was a front seat passenger in a singal car accident. He is a very nice looking young man, he was thrown almost completely out of the windshield. His face is scared very badly his eyelid is severe it will not close all the way and has a V in it. He is going to have plastic surgery. I have never had to get a lawyer for anything before in my life, the highway patrol said we needed to find one. my son was hurt the most out of the 3 young men, the driver had an airbag the passenger in the backseat had my son's seat as a shield. the attorney says that the max policy the driver has is 50 thousand, my insurance is paying 10 thousand of medical bills. i want to make sure my son's face is repaired and that he is ok, the attorney is ready to seattle with the 50 thousand before my son has even had his first appointment at the plastic surgen. any good advice i am grateful though I don't have a clue about any of this leagal stuff. I am confused that it happened so quickly. 2 months ago. i am not sure if in the long run the cost of all the medical bills will be paid and the health of my son. he was knocked out for God only knows how long. took at least an hour to get him to the hospital because the driver was scared he was going to jail and the people that picked up the 3 boys had to take the driver and the other passenger home before they could get my son to the hospital. my son was bleeding very badly, his eyelid laid open his forehead cut badly and the whole side of his face awful. thank you all in advance
Posted: Fri Oct 10, 2008 05:57 pm Post Subject:
good catch.
Posted: Sat Oct 11, 2008 04:52 am Post Subject:
now a question about my insurance that was supposed to pay 10 thousand in dr. bills, i have to pay out of pocket for the plastic surgery will my insurance reimburse that to the 10 thousand or 80%...
Hi Conserned
First let me ask if the medical provider you are getting your son treated from is listed with your insurance company or not. If yes, then your medical provider will directly send the bill to the insurance company and they will take care of the settlement. Now how much portion you need to pay out of your pocket depends on the policy agreement that you have with your insurance provider. There may be a certain percentage of deductible that you need to pay. In case you are not aware of it, I would suggest you go through your policy agreement and find out.
Happy to help :)
Posted: Sat Oct 11, 2008 05:02 am Post Subject:
This is PIP/Auto coverage, not health insurance. Bills are submitted to the PIP carrier and they pay reasonable and customary charges. There are no listed doctors. FL PIP pays 80% of the charges and the OP would be responsible for the additional 20% (ultimatly paid by the other carrier).
Posted: Sat Oct 11, 2008 05:07 am Post Subject:
uh well I see. Hey thanks tcope :)
Posted: Mon Oct 13, 2008 11:21 am Post Subject:
When you say OP is responsible for the other 20% doesn't that get reimbursed at the end when they settle. I have paid lots and lots of money out to 20% and was told to keep track of it and keep reciepts.
Add your comment