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 Posted: Tue Nov 03, 2009 11:09 pm Post subject: How to file a BI settlement |
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| I was involved with a no fault accident. The other person rear ended me. I had my car totalled. I went to doctor after a week or so, as the day of accident was friday and could not get doctor appointment. I just went to chiro. The final bills run to 3K or so. I still need to pursue treatment for 2 more months. Now, I wanted to know what can I include in the claims in order to get the claims settled? Can I include future claims, loss of wages, hardship? For loss of wages, I did not miss a day at work, but I had to adjust timings during the work to get the treatment. The chiro said that it's normal after the treatment, although I do experience some pain in neck and back, but it's mild now. Do I need to visit any specific doctor now? |
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smith123
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Joined: 09 May 2009
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| Posted: Wed Nov 04, 2009 12:31 am Post subject: |
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| Quote: | | I wanted to know what can I include in the claims in order to get the claims settled? |
Obviously all the bills, and doc reports, but the adjuster will likely need/want to order them theirselves.. | Quote: | | Can I include future claims, loss of wages, hardship |
"future" anything is hard to get paid for because it's so subjective. Some adjusters and/companys will offer 'x' amount of money set aside in an opened ended release which is for medical bills only..others might offer, 'here's another 500 bucks, if you need it use it for doc bills if not it's yours' still other carriers will not pay at all on subjective future bills, most certainly not future loss of wages...and in fact you shouldn't even CONSIDER settling your BI until you are released from the doc and back to 100%. | Quote: | | For loss of wages, I did not miss a day at work, but I had to adjust timings during the work to get the treatment |
If you didn't lose any wages, you can't get loss of wage. You can usually get mileage etc...to and from the doc. | Quote: | | The chiro said that it's normal after the treatment, although I do experience some pain in neck and back, but it's mild now. Do I need to visit any specific doctor now? |
You and only you know your own body...if you're hit, you're going to be sore...Most agree that you have gotten all the good you're going to get (soft tissue injury) from a chiro in 30-60days of treatment. Soft tissue injuries typically resolve themselves with or without treatment, this of course is dependent upon your general health, prior physcial condition, age, and activity level.
I'm assuming the adjuster knows you have an injury claim? They will want you to sign a medical authorization form (most likely) so they can get copies of your bills, reports etc.
You should have kept a diary of how this injury affected your daily life, (ie, couldn't sleep good for a week, couldn't pick up my kids, couldn't mow grass etc). if you have not try to compile one now.
Let me ask you a couple of questions...
What state are you in? (want to make sure not a PIP state)
Have you EVER had another injury claim?
Were there any passengers, and were they injured as well?
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Lori
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| Posted: Wed Nov 04, 2009 3:21 am Post subject: |
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Thanks for reply Lori. I don't have PIP, neither my state requires. I have not filed another injury claim before, there were no other passenger
Reg questions:
1 future claims: the doctors report states I need further treatment, he was suggesting to continue treatment to be 100 percent fit, however I relied on scan reports and feel that I can get normal without that treatment but scanned reports certainly requires more of treatments.
2. The adjuster asked me to send med authorization signed but I did not yet, waiting for treatment to get over
3. Why do I need a diary what will that help? |
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smith123
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Joined: 09 May 2009
Posts: 27
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| Posted: Wed Nov 04, 2009 12:29 pm Post subject: |
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| Quote: | | Why do I need a diary what will that help? |
Had you kept one from the date of loss..you'd be surprised the things that you'd forgotten, ie, first two days I couldn't do any chores, had to rely on help, etc.
It's just and easier way to document how your injury has affected your daily life.
It wouldn't hurt for you to go ahead and get the med auth to the adjuster that way she/he can get ongoing info and review it as it comes in.
_________________
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Life gaurantees a chance NOT a fair shake
**************************************
FIND a way EVERY day to lighten the load of another
************************************** |
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Lori
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Joined: 10 Sep 2007
Posts: 6810
Location: Missouri
44.09 Dollars($)
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