Car accidents can result in various injuries, and one popular form of recovery is chiropractic care. For individuals injured in a car accident, understanding how insurance covers chiropractor bills during the claim settlement process is crucial. We’ll shed light on the steps involved, the types of insurance coverage available, and the considerations to keep in mind when seeking chiropractic care post-accident.
Will Insurance Pay My Chiropractor Bills After a Car Accident?
Yes, insurance will pay for chiropractor bills if the injuries are directly related to the accident and if you follow the correct steps.
Seeking Medical Treatment: Consult With A Chiropractor Soon After Your Auto Accident
After you or a loved one have been injured in a car accident, seeking immediate medical attention is paramount. Even if injuries seem minor, it’s essential to consult with a healthcare professional to assess and document any potential issues. In the case of chiropractic care, individuals may choose to consult a chiropractor early on to evaluate musculoskeletal injuries that might not be immediately apparent.
You will want to have all your injuries documented by a medical professional in order to prove that the crash caused the injury. Well-documented treatment will also help in the reimbursement process.
If you wait weeks or even months to receive treatment from the chiropractor, it will be extremely hard for your personal injury attorney to prove the injuries were related to the accident. All medical treatment for your injuries must also be completed before settling your case with the other party because any medical bills following the closure of settlement negotiations will not be reimbursed. (This is why having an experienced personal injury attorney is important to help guide you along the process).
If the insurance company disputes your claim, then the insurance company will not pay your medical bills until the case is settled or taken to trial. Sometimes your case is not resolved until months, or even years after you received treatment, and those medical bills will not wait.
How can you cover your medical bills while you wait for your personal injury claim to settle?
Covering medical bills while waiting for a personal injury claim to settle can be challenging, but there are several strategies to help manage these expenses during the waiting period.
Medical Lien
You can get medical care immediately under a medical lien when you file a personal injury claim. Many Virginia chiropractors will work on a medical lien, which means that they will wait for the payment until your injury case is settled or until you get paid. When your claim is over, whether settled or by trial, you will have to repay the lien from the settlement. A good attorney will let you know about all of the potential liens on your car accident case so there aren’t any unwelcome surprises when you get your check at the end.
Medical Payments Coverage (Medpay)
Medical payments coverage, which is also known as “medpay,” is a small health insurance policy that will promptly pay a portion of your medical bills including co-pays and deductibles if you have been in an accident. You can easily find the medical payments coverage part of your policy by reading the main document you received from your car insurance company with all your coverages listed.
It is possible to have medpay coverage through your car insurance policy but not have health insurance. Coverage is relatively inexpensive, and most attorneys recommend it to their clients. It is important to note that “medpay” does not replace normal health insurance and is only used in the event of an accident.
Having an experienced personal injury attorney who can guide you through the legal process, negotiate with insurance companies, and help ensure that your medical bills are considered in the settlement negotiations will alleviate the stress of wondering how these expenses will be paid throughout your healing journey.
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Dealing with the Insurance Company
It is important to avoid conversations with the at-fault party’s insurance company immediately after the crash. They will try to get statements from you in order to prove that any injuries were not related to the crash. You are not obligated to speak with the other party’s insurance company and speaking with them can harm your chances of receiving insurance coverage for chiropractor bills.
The insurance company might even offer you money early in the process before you fully recover. This offer should be rejected because if you take it, you will allow the other party to drop their responsibility to pay your medical bills for ongoing and future care.
Depending on your policy, the health insurance company will pay all or a portion of your medical bills. However, your health insurance is entitled to reimbursement for their contribution to your medical bills. Check your health insurance policy very carefully because you may be surprised to find you have to reimburse them for the medical bills once your case settles.
When Should You Call a Personal Injury Attorney?
It’s crucial to consult with professionals, especially experienced personal injury attorneys, to explore the best options for your specific situation. No matter how sever your injuries, we suggest having a free consultation with an attorney to explore your options.
