Your Personal Injury Insurance Claim: Several Crucial Insights Into Medical Reimbursements
The best judge of Total Disability and/or Partial Disability is "Ole" Doc Comfort your attending physician. The Medical Report he executes for the insurance company you're battling with, Rock Solid Insurance Corporation, should always contain his comments regarding the nature of your disability. His diagnosis will be crucial to I. M. Smart, the adjuster assigned to handle your claim, because it will detail the duration of your "Pain and Suffering". In addition it will also prove the time you lost from work as being legitimate. When settlement time arrives, Smart will form a healthy portion of his evaluation based on the documented proof of the length of time of each of the following two elements: "Total" and "Partial" disability - - the both of which will indicate how much they restricted your inability to work and also your social activities. YOU MUST CONSIDER ALL THE POSSIBLE OPTIONS FOR MEDICAL REIMBURSEMENTS: Be aware that you may be able to collect from your own motor vehicle insurance carrier (via your "Medical
Payments" coverage) plus you may also be able to collect from your own health insurance policy or plan. Yes, Rock Solid Insurance, in a clear case of liability (and as part of its settlement with you) will pay your medical bills. BUT HOW ABOUT YOUR OWN MOTOR VEHICLE POLICY'S MEDICAL PAYMENTS COVERAGE? You must read your motor vehicle accident policy carefully. It may provide you with coverage up to certain limits (one or two thousand dollars - - some a lot higher) for all the medical bills you had as a result of the accident - - regardless of who was at fault! "Med Pay" is a separate part of your policy, which you pay extra for, but it's definitely worth it. Since you're shelling out money for this extra coverage you should consider taking advantage of what it offers. The following people are usually covered under the Med-Pay provisions: You or any relative who lives with you (when driving or riding in your vehicle) plus anybody else who is driving with your permission (and also their invited "guests") who happen to be riding along with them in your car. It may state in your policy that your insurance company has a right to recover the amount of the Medical Payments made to you should you (later-on-down-that-often-very-loooong-rocky-road) get paid for your loss by Rock Solid. But, even if you don't, you'll still be paid for your medical bills under the Medical Payments (Med-Pay) Coverage of your motor vehicle insurance policy without having to pay your insurance company back. It's usually a practical move, to elect to file a claim with your own auto insurance company (under the Med-Pay Coverage) so you can be confident all your medical bills are paid in time. Otherwise, your medical providers may get upset because they'll have to wait far too long to be paid (somewhere down the line - - perhaps a year - - sometimes much longer) until you finally settle for your loss with The Rock Solid Insurance Corporation. ***** ***** ***** ***** YOUR OWN HEALTH INSURANCE POLICY/PLAN: There's another possible medical bill coverage for your accident - - and that's your Health Insurance policy or whatever Health Plan you may be under. If the Med-Pay provisions of your motor vehicle policy state that they must be paid back, should you collect from Rock Solid, you may find it more advantageous to file a claim under your Health Insurance policy or some other Health Plan. HOWEVER: You should check the wording in those policies very closely because they may NOT require you to pay them back for the medical payments they've made on your behalf - - even if you collect for your loss from The Rock Solid Insurance Corporation ! There's nothing wrong or immoral about collecting money from more than one source for the same medical bills. Think of it like a Life Insurance Policy. If an individual is paying premiums for three $10.000 Life Insurance Policies and they pass away, is the love-of-their-life (as the named beneficiary) entitled to $10,000 or $30,000? Indeed, because the premiums were paid on all three, that individual is entitled to a payment of $10,000 times three, or $30,000. By the way, if Adjuster Smart happens to ask you if you have any such options, don't tell him. Whatever other insurance coverage's you have is your own business! It has absolutely nothing to do with the value of your claim, how much money you should be paid for your "Pain and Suffering", nor any other portion of your loss. NEVER FORGET: You've already paid for these types of coverage and you're entitled to be paid under all your options for reimbursements - - even if that means you're paid by multiple sources for the same bills ! ***** ***** ***** ***** DISCLAIMER: The only purpose of this article ~ YOUR PERSONAL INJURY INSURANCE CLAIM ~ SEVERAL CRUCIAL SOME "INSIGHTS" INTO MEDICAL REIMBURSEMENTS is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor EzineArticles.com make any guarantee of any kind whatsoever; NOR to they purport to engage in rendering ay professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Wherever such professional help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain said services. Copyright (c) 2005 By Daniel G. Baldyga. All Rights Reserved Dan Baldyga spent over 3 decades within the area of Insurance Claims, as an Adjuster, Supervisor, and then Manager. He was then promoted to Trial Assistant where he worked another 5 years on thousands of Insurance Claim cases. He has had 3 "How To" Insurance Claim books published, the latest being AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM. (How To Evaluate And Settle Your LOss).(EZINE ARTICLES = If you want one of these MUCH LONGER with much more depth please advise and I'll send it to you. Thanks. Dan Baldyga's third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book explains, in simple language, "How To" handle your motor vehicle property damage and/or personal injury claim so you won't be taken advantage of. It also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will explain how to determine the value of the "Pain and Suffering" you endured - - because of your motor vehicle accident injury!
MORE RESOURCES:
What yoga can do for youInquirer.net, Philippines - 5 hours agoAnd where there are millions of people whose lives have been transformed, or at the very least, improved by the practice of yoga, then you know that ... |
Yoga students seek balance, strength (VIDEO)GoErie.com, PA - 8 hours agoThe desks are gone, replaced by yoga mats. Candles and covered lamps provide the lighting for a dozen women who work quietly through a series of stretches ... |
Yoga more than just for meditationAbilene Reporter-News, TX - 10 minutes agoMy doctor wants me to get more exercise, and she recommended yoga. I know yoga has become very popular in the past few years, but how will it help me? ... |
Is It Safe to Use Online Yoga Courses?KTNV Las Vegas, NV - 2 hours agoYoga is a growing trend, and it's getting more accessible than ever, but striking the perfect pose is easier said than done. Doctors have a warning for ... |
Yoga "can help the memory-challenged"Totally Fitness Health and Fitness news, UK - 7 hours agoA yoga expert from the US is running a course in which those with memory problems, such as Alzheimer"s patients, can take part in the activity. ... |
Yoga plus oneBelleville Intelligencer, Canada - 13 hours agoWith one-year-old Willow on her lap, Kim Belanger-Mills demonstrates how to do yoga with a toddler in tow. Sometimes, her daughter sits on her abdomen as ... |
Yoga - Google News
|
 |
|
|
RELATED ARTICLES
About Accidental Death Dismemberment Insurance Quote
We don't hear much about getting an accidental death dismemberment insurance quote as no one is really pushing or promoting the coverage as agents make very little money on it and is not worth promoting. They are looking for the larger ticket items with high commissions that being regular life insurance instead of offering you accidental death dismemberment insurance quotes.
How to Reduce Car Insurance Premiums
Here are some useful tips on how to reduce car insurance premiums. Firstly, you need to find a sense of balance between coverage and cost.
High Risk Auto Insurance - How to Lower Rates
How is your driving record lately? Do you have a large amount of speeding tickets or maybe a few car accidents on your driving record? High risk auto insurance generally means one thing for sure, higher car insurance rates. Even though high risk auto insurance rates are typically higher, there are a few things that you can do to reduce your costs now.
The Many Benefits of Travel Protection Plans
Many people purchase insurance thinking I want full coverage and once I get it I will be covered for every event that may befall my vehicle. But then they begin to question if every type of incident is covered with full coverage.
Term Or Whole Life Insurance - Which Is Right For You?
One of the most important things you will ever do is to choose a life insurance policy that will provide for your family after you are gone. Choosing the life insurance policy that is right for you and your family can be quite confusing.
How To Take The Guesswork Out Of Buying Term Life Insurance
Protecting your family is the single most important thing any individual can plan for during his or her life. Buying life insurance can be confusing, and a frustrating process.
Cheap Auto Insurance Quotes - Tips For Getting The Lowest Rate
Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.
Insurance Providers Weather the Storm While Consumers Flounder
We have just had the first year's anniversary of the flash flooding which occurred at Boscastle in Cornwall. The floods saw some of the worst damage wrought by sudden rainfall in the UK for many years.
Accident Insurance Claim Personal Injury Insights
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 motor vehicle, 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.
5 Steps To Cheap Car Insurance Premiums
Although car insurance is compulsory, it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you hundreds.
Do Discount Fees for Medical Service Programs Really Work?
Having a health insurance policy provides a great sense of security for many families. Most people with health insurance usually have it through their employer and the employee and the employer may share the responsibility on paying the premium.
Disaster Decision - Do You Need Insurance?
The expenses involved with owning a home can be overwhelming at times - routine maintenance, repairs, seasonal preparations, improvements. Not to mention taxes, fees, and all those monthly bills.
Discount Auto Insurance - Get Low Rates And Superior Coverage
Auto insurance rates can be quite expensive. If you are in shopping for auto insurance or just comparing rates between your current insurer and competing insurance companies, you may want to look at the rates offered by discount auto insurance providers.
Health Savings Account (HSA): How Do I Invest It?
The Health Savings Account (HSA) is an amazing tool that a lot of people have been talking about. It is meant to help you save money on insurance and make your life simpler, maybe even help you be healthier.
Health Insurance 101 for Individuals and Families
The changing healthcare and health insurance landscape in the United States has resulted in more individuals and families purchasing health insurance coverage on their own. Rather than touch on the number of reasons why this is the case, I would like to provide individuals and families finding themselves in this position with ten basic ideas to assist them with getting the best health insurance policy for their specific situation.
Protecting Your Expatriate Family
If you and your family relocate overseas, one of your first priorities from a financial planning point of view may very well be establishing health care.Costs and services abroad can differ greatly to what you are accustomed to 'back home'.
Life Insurance Providing Little Protection from Terrorism
Recent statements by the City of London Police Commissioner James Hart that future terrorist attacks in London's financial centre are, "a matter of when, rather than if", will increase already serious concerns over issues of personal and business financial protection.Mr Hart's statement pointed out that, "if you want to hurt the government, hurt people at the same time, and you want to cause maximum disruption.
Term Life Insurance Quotes for Singles
Term life insurance quotes are rarely a concern of single people, but they should be. Unfortunately, there is a misconception that term life is something owned only by families in the event that the chief breadwinner dies.
The Life Insurance Plan Online
Thank goodness the internet age has arrived helping us to find a life insurance plan online. Manually quoting policies was very time consuming and frankly discouraged the broadest recommendations because of so much work involved.
Saving on Home Insurance: Tips for Cutting Costs
Everyone is searching for a way of cutting costs, a method to lower their overall monetary expenses. Saving on home insurance is a reasonable, viable option when choosing to take control of your finances.
|
