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!

In The News:


pen paper and inkwell


cat break through


Senior Life Settlement-Uses and Applications

In a recent article in the National Underwriter (April, 2005)... Read More

Saving on Auto Insurance: The Road to Reduction

The road to saving on auto insurance is something that... Read More

Car Insurance Gearing up to Drive Down Costs

For once finances seem to be going in favour of... Read More

Discount Life Insurance Will Give You The Best Protection You Need

There is always a chance that there is a better... Read More

Are You Overpaying On Your Home Insurance Policy?

For many consumers the cost of daily living is becoming... Read More

Consequences of Late Insurance Payments

Did you realize that it could cost you more than... Read More

What Are The Differences Between A Cancellation Notice And Non-renewal Notice?

OK, you take that stroll down to the mailbox excitedly... Read More

Tips for First Time Insurance Buyers

The are many scary things in this world. Buying insurance... Read More

Do I Need Travel Insurance?

In the United States health insurance, unlike many other countries,... Read More

The Many Benefits of Travel Protection Plans

Many people purchase insurance thinking I want full coverage and... Read More

Who Else Wants to Understand Travel Insurance Policy Language?

Aren't all travel insurance plans basically the same?No. When you... Read More

How Much Can My Auto Rate Increase After One Accident?

Accidents almost always make your insurance rates increase. Whether or... Read More

Protecting Your Expatriate Family

If you and your family relocate overseas, one of your... Read More

Taking The Mystery Out Of Long-Term Care Insurance

Here's the good news: with improvements in medical technology and... Read More

Long Term Care Insurance

Long Term Care Insurance is needed in the event that... Read More

Travel Insurance Pre-Existing Conditions Coverage - How It Works

What is a Pre-Existing Medical Condition?When a trip cancellation travel... Read More

Health and Dental Insurance Quotes - Applying Online

Since 2001, large health and dental insurance companies such as... Read More

An Annuities Primer

Though popular among today's aging Baby Boomers and members of... Read More

A Guide to Insuring Your Sailing Dinghy

If you've just bought a dinghy or are thinking about... Read More

Guide to Life Insurance Terms

Listed below is a useful guide to life insurance terms.... Read More

Health Insurance, What Does It Mean?

Your health insurance policy is an agreement between you and... Read More

Hidden Ways to Cut Car Insurance

Consumers are countering rising gasoline prices and other vehicle operating... Read More

What Should I Do About Billing Problems When Using HSA Money?

If you run into a billing problem or misunderstanding with... Read More

Online Health Insurance Quotes - Finding The Cheapest Rates Possible

Shopping for health insurance can be very discouraging when you... Read More

Insurance For All Your Gadgets

Personalisation, Digitalisation, Mobilisation, these 3 words represent your life today.... Read More

Credit Card Insurance

A word of warning about Credit card repayment protection schemesThe... Read More

Give Your Auto Policy a Tune-Up

When you originally purchased your auto insurance policy, you purchased... Read More

Auto Insurance In Texas

If you are looking for auto insurance in texas, you... Read More

Free Money Saving Auto Insurance Tips

Our money saving auto insurance tips were written for one... Read More

Internet Insurance Leads

It is a fact that more and more people everyday... Read More

Whole Life Insurance - Whole Life Insurance Information

The original purpose of life insurance was to provide for... Read More

Car and Home Insurance Northern Ireland

Don't skimp on insurance. This probably doesn't sound like a... Read More

Term Life Insurance - Buy Term and Invest the Difference!

The phrase "BUY TERM AND INVEST THE DIFFERENCE" evolves around... Read More