Car Accident-- Ins Co lowballing -Chiropractor inflating

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PostPosted: Sat Feb 11, 2012 12:58 am   Post subject: Car Accident-- Ins Co lowballing -Chiropractor inflating  

Please, please advise me…



I was hit from behind at red light. (Other party’s fault.) Neck & hip njuries crept up after a few days. The guy who hit me’s insurance Co paid for my car repairs & rental very quickly. For injuries I saw a Chiropractor as I was told they are good for spinal injuries. He made me sign a lein telling me it was customary in PI cases. I was in so much pain and needed help, so I gladly signed it in exchange for promised healing. Fast forward months and months. Chiro would never give me an itemized statement- despite many requests. Insurance company moved slow. Chiro complained constantly that they hadn’t paid him. Finally 7 months after accident Insurance Co calls me and says they’ll cover $2K of Chiro’s bills and that the he way inflated the bills. I finally learn that he charged them $11k for 29 visits (mostly 20-30 minutes.) I approach Chiro with this info. He denies it saying everything was customary.



Chiro types a threat letter directly to the guy who hit me basically telling him that I will sue him personally if he doesn’t call Chiro and make payment arrangements for the $11k within 2 days. He tells me to come to his clinic and sign it (as if it was from me) and he will mail it. I am really uncomfortable with this and just file the letter.



Now I don’t know what to do! I think the Insurance Co is lowballing, but I also think the Chiro really is inflating his bills. (example a TENS unit I found on-line for $25 is billed at $595 + $60 for his couple minutes of instruction on how to use it. Also, 10 minutes of lying on a massage type table is billed at $100 dollars—for every visit.)



I feel like as soon as I signed the lein it gave him a free license to run up the bill because even if the insurance company refused to pay, I’d have to. I am scared to get an attorney and rack up the bills even higher for myself. Also, it might be another party trying to make money and not help me. Plus, do I need a PI attorney to deal with the insurance company AND some kind of fraud attorney to deal with the Chiropractor??



Is it really possible to owe $9k for doctor bills for an accident that was 0% my fault? What do I do???



Thank you so much!


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PostPosted: Sat Feb 11, 2012 6:29 am   Post subject:   

Welcome to the adjusters world of dealing with most chiropractors! This just made my day.



You have a two-fold problem.. a greedy, over-charging and over treating chiropractor who wants to take most of your settlement and the second part of that problem is that the insurance company is not willing to over pay on your settlement to address this issue.



I'm going to recommend something here... find a good personal injury attorney and this will be taken care of for you. It might be your best move in this situation. The attorney is going to bill you 33% of the settlement but he/she can probably get the offer increased a little and the big part is that the attorney can get the chiropractor bills reduced.



Someone (you) really needs to report this "doctor" to your states medical board.



Seven months of treatment by a chiroprator for a soft tissue injury is over-treatment. The Board of DC's agrees that anything pretty much past 3 or 4 months is not going to offer any benefit. This is a rule of thumb that adjusters go by. So your offer is probably considering this as well as the doctors excessive charges.



(Why am I thinking you are in PA)

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PostPosted: Sat Feb 11, 2012 3:09 pm   Post subject:   

Quote:
(Why am I thinking you are in PA)
Laughing



Whatever tcope said, I think you should listen to him.



Other than that, just in case your ARE from PA, report the quack to the Insurance Fraud Prevention Authority (IFPA) http://www.helpstopfraud.org/TypesofInsuranceFraud/Health/tabid/67/Def ault.aspx
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PostPosted: Thu Mar 22, 2012 5:54 pm   Post subject: SAME THING!!  

Hi guest,

I have just had the same thing happen, except..my chiro is telling me to hand over the ENTIRE settlement check... which is a LOT of money IMO for chiropractic work where we were there maybe 15 minutes tops.

I am friends with the chiro's wife, and feel completely blindsided both ethically and morally as far as trust in doctors go. This check was for my children in the accident, and I cannot believe that he has the gumption to take my children's money ALL for himself!! Ridiculous!!

Can't believe about that letter written to the person who caused the accident. the lady who caused my accident was 90 years old!! I would NEVER sign that!


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PostPosted: Tue Mar 27, 2012 4:33 am   Post subject:   

There is a lots of fraud insurance company in today's market. Before taking or buying insurance you must have to know that, Is your company giving perfect refund,when you claim for that?



If you wants a great benefit on health policy then you can visit one site which name is scsinsuranceinc. I am a customer of that company and they have value of that customer.



Such a great experience of mine with them.

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PostPosted: Wed May 16, 2012 7:29 pm   Post subject:   

Quote:


You have a two-fold problem.. a greedy, over-charging and over treating chiropractor who wants to take most of your settlement and the second part of that problem is that the insurance company is not willing to over pay on your settlement to address this issue.



I'm going to recommend something here... find a good personal injury attorney and this will be taken care of for you. It might be your best move in this situation. The attorney is going to bill you 33% of the settlement but he/she can probably get the offer increased a little and the big part is that the attorney can get the chiropractor bills reduced.



Someone (you) really needs to report this "doctor" to your states medical board.



Seven months of treatment by a chiroprator for a soft tissue injury is over-treatment. The Board of DC's agrees that anything pretty much past 3 or 4 months is not going to offer any benefit. This is a rule of thumb that adjusters go by. So your offer is probably considering this as well as the doctors excessive charges.



(Why am I thinking you are in PA)




very good advice from tcope. That chiro should be reported for overcharge. Exclamation
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PostPosted: Sat Dec 22, 2012 10:52 am   Post subject:   

It's likely that a large amount of individuals have heard about usage-based insurance. It's often called “pay as you drive” insurance, where an automobile insurance company bases premiums on miles driven and so forth. It might, according to one study, actually become standard, instead of a fringe product. [Link removed - Admin]

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