Insurance settlements and payment for medical bills

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Mon Dec 17, 2007 10:58 pm   Post subject: Insurance settlements and payment for medical bills  

I was involved with a third party car accident. They are calling it a low impact accident since my car had $650 in damage. However, it didn't feel low impact and I was diagnosed with whiplash. I've been receiving treatment and my medical bills are approximately $4900. I'm in the process of trying to settle with the insurance company. I've been reading I should ask for 3 times my medical bills as a starting point. Should that include the payment of the medical expenses or not? What is a fair and reasonable settlement. I still have neck pain and I fly a lot for work which adds to the issue. I'm a supervisor for a multinational engineering firm. I'm never had an injury related car accident claim before and looking for advice.


_________________
Register Now to have your Insurance queries solved.
Tro
Guest







PostPosted: Tue Dec 18, 2007 6:24 am   Post subject: Need some more info  

Quote:
I'm in the process of trying to settle with the insurance company. I've been reading I should ask for 3 times my medical bills as a starting point.




Hi Tro, can you explain the above mentioned point little more?

_________________
Register Now to have your Insurance queries solved.
adroit_adams
Guest







PostPosted: Tue Dec 18, 2007 6:53 am   Post subject:   

Quote:
I'm in the process of trying to settle with the insurance company. I've been reading I should ask for 3 times my medical bills as a starting point. Should that include the payment of the medical expenses or not?




My friend, the insurance company normally covers the expenses incurred during the treatment of the injury. It includes the costs earned in the doctor's visits, hospital care, emergency care, physiotherapy and so forth. You can also recover the costs of the supportive medical devises, like-crutch, neck brace etc., from the other driver's insurer.



Moreover, you are also entitled to collect the compensation for the pains and sufferings as well.
brian
Member
Leave a quick message

brian

Joined: 02 Feb 2006
Posts: 75


21.19 Dollars($)

PostPosted: Tue Dec 18, 2007 7:10 am   Post subject:   

If you have suffered injuries in a third party accident, you can recover the medical costs under the other party's bodily injury liability coverage , provided the other driver carries required insurance coverage.


_________________
Register Now to have your Insurance queries solved.
cdpattrick
Guest







PostPosted: Tue Dec 18, 2007 12:32 pm   Post subject:   

Good morning Tro and welcome to the community...



A couple of things here...

Quote:
I've been reading I should ask for 3 times my medical bills as a starting point. Should that include the payment of the medical expenses or not?
This was kind of an old rule of thumb that we used to use years ago, but really doesn't apply that much anymore...insurance companies use a variety of programs to get a ''range'' for an injury settlement...But to answer your question, generally speaking when discussing a Bodily Injury claim it is all inclusive, meaning if I said, ''we are offering 10k for your injury'' that would mean your bills too...unless, (and i always broke it down), the adjuster explains differently for instance, ''10k for your injury, 5k of which of course will go to pay your medical bills"...



as to this statement..........
Quote:
My friend, the insurance company normally covers the expenses incurred during the treatment of the injury.
If brian means they pay as you go, this is not the way that BI's are generally handled they generally do not pay a penney until settlement...(that may not have been what he meant i just wanted to clarify that point)...



Do you have medpay on your policy by chance? If so medpay will also pay your bills..most states allow ''double dipping'' of medpay meaning you can collect under your medpay coverage and the BI coverage of the ''guilty party''



Quote:
They are calling it a low impact accident since my car had $650 in damage
It's just the terminolgy...it would be considered low impact, but also depends on what that 650 was for...likely just a bumper cover and maybe an absorber?



Oh dear, is this mostly chiropractic?
Quote:
I've been receiving treatment and my medical bills are approximately $4900
If so I can just about bet that there will be a large reduction in this amount.



Quote:
I still have neck pain
Tro you shouldn't settle until this is resolved....



A few questions...you injury is soft tissue only right? (whiplash)...what were the facts of loss? What state do you live in? Do you have any idea of your states min. BI coverage or what the other party has? Have you been put on notice of low limits? How long have you been treating or when was the accident?



Let us know and we maybe can help a little more...I'll be honest with you from the get go though and let you know that although I agree whiplash can be very painful...Settlement amounts for this type of injury with the amount of damage you discribe are not very high.....
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Fri Dec 28, 2007 6:29 am   Post subject: Post shifted......  

Hi pain in the leg, your post has been shifted to the following URL.



http://www.ampminsure.org/feedback/about3707.html



Thanks,

Lakemen



_________________

Ask your question to the Community Insurance Experts...
lakemen
Site Admin
Leave a quick message

lakemen

Joined: 18 May 2005
Posts: 1267


321.81 Dollars($)

PostPosted: Wed Jan 02, 2008 7:10 pm   Post subject:   

$4,300 was for Chiro and $600 for primary care physician visit and x-rays. All soft tissue damage, whiplash. Accident was third party, car hit another car and then me, pushed my car into the intersection, luckly I didn't get his a second time.



I live in MO, Unitran is the insurers insurance company.



Wouldn't it be a good idea to let the insurance company deal with the chiro to lower the bill, since I will probably only get the differential? Can I ask for that being a third party claim?


_________________
Register Now to have your Insurance queries solved.
Tro
Guest







PostPosted: Wed Jan 02, 2008 7:22 pm   Post subject:   

They notified me that it by letter that they considered the accident a low impact accident and the settlement would keep that into consideration. I've been treated for approximately 6 months, off and on. I have to travel for work, so I missed a number of sessions early on. I'm doing pretty well, but still have pain on long drives or flights. More worried about issues down the road, related to the pain.



Not sure how to figure out the insurers limits on their policy. I have their name, might have their insurance # on the accident report.



Are you saying the chiro bill will get negotiated down and then the settlement will be made, or vise versa?


_________________
Register Now to have your Insurance queries solved.
Tro
Guest







PostPosted: Thu Jan 03, 2008 10:59 am   Post subject:   

Quote:
Are you saying the chiro bill will get negotiated down and then the settlement will be made, or vise versa?
The first one more than likely...just be sure and ask....if they offer you 7k ask them does that mean that I pay the chiro and all bills or are you all paying them and I get 7k on top of that? (doubt it would be anything close to the second)....More than likely your chiro has already sent the insurance company a lein against your settlement anyway...meaning they MUST be paid first from your settlement monies...then you get what is left over....



Unfortunately in an injury such as your's the down the road stuff, is well your responsiblity if you settle....remember you do not have to settle this (until the statute of limitations is close)....so it's your decision...What they are telling you by the low impact talk is....in plain language, 'sorry guy but you don't have a big injury claim here...this is a low impact, therefore don't be thinkin' you've hit the insurance lottery'....that's a real crude way of saying it....but that's what they mean....juries too have come around to seeing that if little to no damage, most of the time the injury can't be as big as some claimants let on....(I've actually had zero structural damage, and rolling impact that i buffed the bumper cover off and people claiming all kinds of grave injuries...not that you are, but there are people like that, unfortunately a lot of them.)



Just be really really clear with the adjuster re: who pays the bills....


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Thu Jan 03, 2008 2:51 pm   Post subject:   

Correct, they do have a lien.



I asked how much a typical visit was for the chiro when I started and they said they give a discounted rate of $40 per visit. So, I figured that is what could be negotiated, however, I would rather have the insurance company do that.



Time and mileage cost are around $1,100, I figured the insurance company had to pay that as well.



Should I get a lawyer? I stopped treatment but my neck still bothers me. I stopped the first week of November. I was wondering if I should go back to the Chiro or my primary care physician and do some physical therapy. My guess is it will just get better over time, not sure additional therapy will help.



I live in Missouri, how long is the statute of limitation.



Can I make them pay the medical bills as part of the settlement?


_________________
Register Now to have your Insurance queries solved.
Tro
Guest







PostPosted: Thu Jan 03, 2008 3:21 pm   Post subject:   

Actually, they said they could only get me $1k since it was low impact. Obviously, I'm not going to settle for that. My time associated with the injury is worth more than that.


_________________
Register Now to have your Insurance queries solved.
Troh
Guest







PostPosted: Fri Jan 04, 2008 2:17 pm   Post subject:   

Quote:
I would rather have the insurance company do that.




And they should if there is any negotiation, they will have to get that lein released...now remember though, those med bills are part of your settlement...meaning it is 5k settlement (although 4k is bills)...



Quote:
Time and mileage cost are around $1,100, I figured the insurance company had to pay that as well.




mileage yeah, more than likely, but not sure what you mean by ''time''.......



Quote:
I stopped treatment but my neck still bothers me. I stopped the first week of November. I was wondering if I should go back to the Chiro or my primary care physician and do some physical therapy. My guess is it will just get better over time, not sure additional therapy will help.




This is totally up to you, but it is generally thought that a chiro has gotten you as good as they can (from this type of injury) within 60 days or so...however, if you are still having trouble, i don't know, this is a call only you can make....lets face it whether you're hurt or not, it just plain feels good (chiro and PT) so you will have to talk this over with Tro-- Wink



Quote:
Can I make them pay the medical bills as part of the settlement?




Since the chiro has a lein they WILL pay them directly to the chiro after you have reached an agreed settlement amount...



Quote:
Actually, they said they could only get me $1k since it was low impact
Is this in ADDITION to paying your medical bills?



MO allows 'double dipping' of medpay coverage...do you have medpay on YOUR policy? If so then you are allowed to collect (medical bills only) from your carrier too, and cannot be rated up for a med pay claim.....





Quote:
I live in Missouri,




ME TOO! What area are you in?



Quote:
how long is the statute of limitation.




Quote:
Missouri requires the victimized party to file a claim for personal injuries within five years of the date of the injury.




(didn't even have to look that one up! but did to double check! Wink )



Quote:
Should I get a lawyer?




Honey, here's the thing...for this type of injury (minor as far as auto accident BI claims are concerned not to YOU I understand that..) lets say that they offer you a total of 6k (this includes your medical bills that are 4500...that means an injury settlement of 1500 right?) of that an attorney will get (minimally I would think most fees are a third if no trial) 2k, leaving 4k and that is not even enough to pay your med bills! So in order for you to get what they have already offered (1k and I'm assuming that means in addition to your med bills, and you walking with 1k after all bills are paid) the attorney is going to have to get this carrier to pay about 9k...which means they (ins company) is going to have to increase their offer by 3k or a third! and you would gain nothing from this increase, but be in the same position you are in...understand? and for what? Now if the attorney can preform some kind of miracle, or there are some other facts surrounding the loss we don't know about and get like 15-20k that you couldn't then I'd say it's worth it...You just need to know going in EXACTLY what the attorney will get (fee) and what you will get...if he will do it for 10% might be worth it...(IF you can get an atty to take this small of a claim..) Only YOU can decide (again) if this is a wise decision.



Also you didn't tell us EXACTLY what was damaged on your vehicle? what was the total cost of repair, the parts that were repaired/replaced if any....that would really help us in helping you! Very Happy



Quote:
My time associated with the injury is worth more than that.




Again, what do you mean by your 'time'....


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Fri Jan 04, 2008 2:53 pm   Post subject:   

I had to leave work an hour early to get treatment, that is what I'm talking about related to time.



No real offer has been made, just some general talk with the adjuster. He said that is usually all he can get for a low impact accident.



The entire rear bumper was replaced. It didn't look like much damage on thesurface. I would say I was hit around 10 mph. However, I wasn't expecting it so I got whiplash. I think I should have went to a PT versus Chiro, maybe I would be better off since it was all soft tissue damage.



I live in St. Louis.



Statute of Limitations for MO is 5 years from what I could find.



Chiro said I should ask for 2 times and be firm. Said it would take a while. That was his off the record recommendation. From what I have gathered talking to other people and internet searches, that sounds about right.


_________________
Register Now to have your Insurance queries solved.
troh
Guest







PostPosted: Fri Jan 04, 2008 2:55 pm   Post subject:   

I also had and addition $600 on top of the $4300 chiro bill for my primary care physician and x-rays. His diagnosis was whiplash with soft tissue damage. He recommend muscle relaxers and the PT if that didn't work. I went to a chiro near my house for convinence.


_________________
Register Now to have your Insurance queries solved.
Troh
Guest







PostPosted: Fri Jan 04, 2008 2:57 pm   Post subject:   

I know this will be a negotiation. Basically, I'm trying to figure out where I should start from on the settlement. Also, if I should bothered going back and getting some additional treatment or just let time take care of it.



Cost of the bumper was $650.


_________________
Register Now to have your Insurance queries solved.
Troh
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
1, 2  Next  
Page 1 of 2


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused