Unfortunately, studies show that most of
us will be in an auto accident at some point in our lives. The only
question remaining, is how bad will it be?
The following are important things to remember if you are involved in an auto accident:
1. Seek treatment as soon as possible.
If there is a chance you may be seriously hurt, you should go to the
Emergency room at your local hospital. There they can rule out fractures
and life threatening injuries.
2. If you are still experiencing pain and discomfort a few days to a
couple weeks later, than you should come to our office to find out if
you have any structural damage.
NOTE: The longer you wait after an accident to come to our office, typically the longer it takes to get you better.
3. Most auto insurance companies have what is called Personal injury Protection/Med Pay. This means that your bills will be paid up to 100% up to a certain limit. Our office can check that for you.
4. If the accident was not your fault. The other party's auto insurance should cover your health care expenses in our office. We do all of the paperwork for you.
5. At the accident scene, get as much information on the other driver or
drivers as possible. An accident report by Police is always helpful,
but not required to have a case.
6. You should never settle with an insurance company before you have had
us evaluate your injury for you. If you settle before your injury is
fully resolved, you will be completely on your own and will have to pay
out of pocket for your care.
7.Dealing with insurance companies can
be difficult after an auto accident. We have a number of reputable and
highly qualified Attorneys who we can refer you to for a complimentary
consultation. Hiring a reputable Attorney essentially takes you out of
the direct bargaining process with the insurance company and all the
paperwork and phone calls associated with that and lets you concentrate
on healing.
8. Injuries sustained after a
car-accident if left untreated can lead to spinal degeneration and a
host of other problems for years to come.
FINAL NOTE: We find that many people involved in an auto accident that WAS THEIR FAULT never get treatment.
This tends to be due to the fear that their insurance will go up after a claim is filed.
Your PIP (Personal Injury Protection) is why you have auto insurance in the first place.
Many insurance companies will not raise your rates after 1 or even 2 accidents in the same year.
THE INJURIES SUSTAINED IN AN AUTOMOBILE ACCIDENT CAN CAUSE A HOST OF PROBLEMS FOR YEARS TO COME, OR EVEN THE REST OF YOUR LIFE.
YOU OWE IT TO YOURSELF TO COME IN AND GET CHECKED.
Call our office today at (972) 215-7720.
Personal Injury Protection (PIP)
The Texas Department of Insurance requires automobile insurance carriers
in our state to issue all automobile policies it writes at least $2500
worth of coverage and you have this coverage unless you reject it in
writing. Most people are unaware of this coverage or even know what it
is and therefore very few people use it. You end up paying for coverage
that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and
claims adjusters to advise them on what to do after an accident.
Insurance is a multi-billion dollar industry and are in business to make
money. They keep their costs down, less payout, more profits and
bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to
health insurance but on your auto policy for your injuries and your
passengers injuries. This coverage is available regardless who is at
fault. Yes, you can be
the cause of the accident and you will still be covered. There’s no
deductible and no co-payment. There is other separate coverage that
will cover the other party if you were at fault. If you do not have PIP
then you could still be covered if you were in an accident in another
state besides Texas. You may also be covered if you were hit in a
crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance
carriers cannot non-renew you for filing one PIP claim in a 12 month
period. Also, it is unlikely that they would raise your rates for a sole
PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There
is a chance that the other party may never pay for your medical expenses
leaving you a financial burden. PIP gives you peace of mind that your
medical bills are covered. If you use your health insurance, you may
have to pay a deductible and co-pays to your doctor and if the health
insurance finds out that you were in an accident they could request to
be reimbursed. Some people get referred to a medical provider by their
attorney and the medical provider agrees to be paid months or even years
later. Since there are a limited number of medical providers who agree
to this arrangement, your choice and quality of healthcare may be
limited. The answer is to use your PIP coverage so you will not have to
pay for medical expenses out of your pocket and get the best possible
healthcare treatment available for you and your family’s injuries caused
by the accident.
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Need a Doctor
Need a Doctor
Need an Attorney/Lawyer
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Let us take the guess work out of getting your life back in order after an Auto/Car accident!!
972-215-7720
Need an Attorney/Lawyer
WE CAN HELP!!!
Let us take the guess work out of getting your life back in order after an Auto/Car accident!!
972-215-7720
Wednesday, April 18, 2012
WHAT IF I WAS IN AN AUTO/CAR ACCIDENT ? What do I Do?!
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