Should I Talk to the Adjuster?
The rationale is that these insurnace adjusters are trained in questioning and they’re seeking to reduce or do away with your entire lawsuit. You certainly don’t want to talk to them while you’re under the influence of any medication while you’re still in a hospital or anything like that. Again, always be polite, you can tell them that you are still treating and that you’ll get back to them later.
Should I Sign the Forms
Typically an insurance adjuster will be sending you medical privacy waivers. These authorizations tend to be very broad and they deliver to the insurance company all sorts of healthcare information of yours and what the insurance company does is they get through this and then request even more records. So they might have ten or 15 years of your personal record without you ever knowing that, we suggest getting your own information first making sure they’re accurate and getting those records to the insurance company.
The second form they’ll I often ask you to sign is a release. They may send you a check just know that once you sign a standard release, that’s it. If you need care later or if there’s some undiscovered injury and you need an surgery or something else further down the line that insurance company is not going to cover it.
Who Will Pay My Medical Bills?
Here’s our advice. Number one, use your own health insurance plan first. It’s primary, it should pay the bills, the last thing you want to have happened is to have the physicians and hospitals go unpaid and have them send you off to debt collections. Second you may have a type of coverage on your own auto policy called "MedPay" coverage.
Typically, people will have an amount of $2000.00 or $5000.00 or $10,000.00. Call your own insurance broker, your car insurance agent. Ask if you have med pay or Medical Payments coverage and submit all of your bills to them as well.
Finally of course the insurance company for the person you triggered the accident and caused your injuries is responsible for the bills. The trouble is they’re not going to pay for the bills until the end of the claim, they’re going to give you one lump sum settlement deal and your doctor is saying “You can’t wait for two or maybe three years to get that money.”
Why Are Lawyer Ads so Weird?
And I understand if you’re looking, if you’ve been in an accident and you’re looking for a legal professional you’ve probably have come across hundreds of yellow page ads, websites all the same pretty much the same thing. That’s why I wrote this book, The Truth About Lawyer Advertising, it’s our little consumer guide that will lead you to ask the right questions and show you exactly how to look into lawyers, so you can find the right lawyer for your situation.
You can order a FREE copy our consumer guide, The Five Deadly Sins That Can Wreck Your Injury Claim, to learn more about personal injury claims in Centreville, VA by following this link
If you have a question for Ben, you can submit it confidentially online at JustAskBenGlass.com.