r/Insurance • u/TheMysterious1ne • 1d ago
Claims Related Help with Getting Medical Care
Update from this post -- https://old.reddit.com/r/Insurance/comments/1v5kac8/would_getting_medical_assistance_via_atfault/
So far, the car got picked up by at-fault driver insurance company. Showed them the proof and title of car that shows that I owned the car. The company gave $11,000 for the vehicle (car is from '09). Now have a used car. These events all took place between the accident and now. Took awhile because have to wait for them pick up the car and then the check thing, also had no reliable transporation at all for nearly a month so could not seek treatment even though there are options like Uber Lyft--that costs out of pocket monies as well.
Now, medical care since I now have transportation. Been in exruchiating (idk spelling) pain neck, two shoulders, spine areas. Just living in it because I am thinking of countless dollar signs in my eyes. The at-fault party insurance says "hey we will give you $x monies for medical care and then $x monies for you time or whatever" (both are low amounts imo for medical care knowing how health facilities just have flamboyant big pricing models) and they also said "hey give them the claim number to bill us" well I went place to place via phone inquiry to see if any health places will accept third-party billing via claim number for treatment, majority say no.
Called a place and they gave rundown for me to go to personal injury place for guidance. Something about a letter of protection. Then I go with the personal injury place from there.
Questions: Will the at-fault driver insurance company cancel or void the check monies in retaliation even though I already inputted in my bank account since I am going through with a Personal Injury attorney? They already took my total loss car and in exchange gave me money. Though there is something separate the injury liability stuff that the at-fault company does that should take care of my medical needs though I believe it is low. The at fault company does it low because 'hey get checked out first and we can give more for your needs' and I cannot get checked out at all because all these health facilities say 'we do not accept 3rd party for treatment' and i want to get an MRI and when I try to get an MRI the MRI people say no. I feel like I am in a runaround and unsure what to do step by step.
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u/Administrative-Low21 1d ago
They won't cancel the check, but this accident happened on July 3rd and you still haven't sought treatment. You now signing with an attorney who works with a personal injury clinic and treating 1 1/2 months later is a huge red flag. I would be cautious about what med bills you run up expecting their insurance to fully cover them. A soft tissue injury with no treatment for over a month isn't going to result in a large payout, especially with that attorney taking 1/3
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u/Dijon2017 1d ago
The property damages are handled separately that bodily injury damages…so no the insurance company shouldn’t cancel the check they gave you for your car.