|"Don't Let these Insurance Companies RIP You OFF Any More!"|
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.
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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 !
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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!
Disability Insurance For The Long Term
Disability insurance covers you for an extended period of time. Should you be injured or take ill and as a result be unable to perform the duties of your employment, you will be covered under short term disability, then long term disability insurance will cover you. The coverage can be for a period ranging up to five years or until the disabled individual turns sixty five.
Health Insurance Coverage
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Risk Retention Groups RRG
In response to a hard insurance market in the mid 1908's, Congress passed the Liability Risk Retention Act of 1986. The legislation was intended to simplify the regulatory process for affinity groups such as doctors, real estate developers etc, who wanted to find an alternative to the and unavailability high cost of certain types of insurance coverage. The Act created two new legal statuses: Risk Purchasing Groups and Risk Retention Groups.
Cut Business Insurance in 8 ways
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The value of a personal injury claim has a direct relationship to the amount of your medical bills. Why? Because a claim with medical bills of $500.00 is worth three to five times more than a claim with $100.00, or less. And that's a fact of life in the world of insurance claims.
Seven Steps to Filing Your Car Insurance Claim
Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Using the following seven steps to filing your claim will help you get over this speed bump as smoothly as possible.
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Are Accidents More Likely To Occur Closer To Home?
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You can pay as you talk with a cell phone plan, so why not pay as you drive auto insurance? It sounds like a good idea; but would pay as you drive auto insurance work for you?
Insurance Claim Handling Online - TPA Adjuster System
Claims management and administration software systems enable insurance claims adjusters, supervisors, and managers to process incidents and administer claims more efficiently and at a lower cost than traditional paper file and transport methods. Some areas that are made more efficient, thus lowering costs, are otherwise insufficient tracking and handling of medical provider billing (especially with medical bill repricing) and proper compensation scheduling. For larger claim adjuster organizations, tying claims data across multiple locations is a must. A complete claims management system will address these issues and more.
Insurance for Those Who Run Bed and Breakfast Properties
A Bed and Breakfast, often referred to as a B&B, is a private residence with several rooms of which are set aside for overnight guests whose paid accommodations include breakfast. Modern Bed and Breakfast often consciously tries to recall earlier days - they are generally established in charming older houses which have been refurbished and adorned with antique furniture.
Japanese Overseas Travel Insurance
If you are an expatriate planning on long-term residence in Japan you can, after a one-year stay, become a part of Japan's national health program. Until that time, however, you're going to need Japanese overseas travel insurance.
Insurance Claim - Medical Insights And Expenses
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.
Photography Insurance-Insurance for the Photographer
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Insurance Providers Weather the Storm While Consumers Flounder
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Poor call centre performances driving motorists online for insurance
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Online Health Insurance Quotes - Finding The Cheapest Rates Possible
Shopping for health insurance can be very discouraging when you become aware of the costs. If you are in search of affordable health insurance, an online quote may be very helpful to you. Purchasing insurance online or simply getting an online quote from one or more health insurance carriers can save you a lot of money on the health insurance you so desperately need.
About Online Term Life Insurance Rates
Online term life insurance rates
Compare Car Insurance Companies Before You Commit
If you want to save money on your car insurance, compare insurance companies before you sign up for an annual premium. Car insurance premiums can differ as much as 300% between carriers for the same coverage. Comparing quotes is the only way to find the best deal. Fortunately, online insurance sites have made this easy.
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