How does personal injury works if the other insurance had admitted liability. A person has private insurance. Do the individual seek treatment thru their private insurance? Is it best to start with your primary physician and let him recommend treatment that is best for your injuries? Or is this even possible? Once treatment is over how do an individual reimburse their private insurance? Is this something the liable insurance company do or is this something the injured individual handle ? Is it possible that the individual settle may or may not cover the medical if so then will the private insurance come after the injured person for reimbursement. Any info,scenerio or number value to help me understand would be greatly appreciated
Answer by lucy
Any personal injury case works the same with or w/out a lawyer. The only difference is that any settlement offered will be paid to you vs with a lawyer, the lawyer will take a minimum of 1/3 of YOUR settlement.
I am guessing that this is a auto accident? If so, have you filed a claim under YOUR auto insurance? The reason is that your auto policy most likely has medical payment and/or PIP that would pay for your medical bills due to any injury in this accident up to the limits of your policy. If any treatment exceeds the limits, then your personal health insurance becomes secondary to pay for your medical bills. Any treatment you should get would be best to start with your PCP, since they have treated you and can best tell you what is needed to treat or refer to someone for your injury.
Even though the other party's insurance company has accepted liability, they will not pay your medical bills since they do not have a contract with you, hence the reason for filing a claim under your own auto policy and then your health insurance secondary. But when you are done treating, the other company will most likely offer you a settlement that will include the total costs of your medical bills plus pain suffering. At that time, either your auto insurance and/or health insurance will require you to reimburse back for what they paid on your behalf due to this injury, leaving you the pain/suffering amount for you to keep.
But where you are going to have a problem is per your other question, is that you also have a WC injury. Granted one is the neck and the other is lower back, so both the WC and this accident will have to separate what bills are for what. But let both the WC and auto/health insurance haggle it out.
good luck
Answer by AngellLawFirm
Personal injury claims can be handled in a variety of ways. Experience, technique, sales ability, overall familiarity with the insurance company at issue will impact your end result; and the end result is measured in dollars! What does all this matter you ask? First of all, upon finding out that you are unrepresented by an attorney many insurance companies will employ tactics to convince you to settle fast but for minimal amounts. Unsuspecting claimants will be made to feel everything is being handled in a reasonable manner and that the settlement offer is completely fair. This is not to say that small claims cannot be handled by a non-attorney. Sometimes the savings incurred from not hiring an attorney may result in a higher net amount to you as long as the claim is minor. The larger the claim the more potential you have of being cheated out of a fair settlement. Just know the insurance adjuster is paid to minimize the amount of money paid on a claim. They are very skilled and have been extensively trained to find ways to avoid paying you fairly. If you are up for the fight then go for it. But just remember, once you sign the settlement agreement your claim is over and final!
Contact me if you have more questions. I've helped people out with similar situations.
Good luck,
Bryce Angell, Georgia Lawyer
3455 Peachtree Rd NE
5th Floor
Atlanta, GA 30326
http://www.georgiainjurylawyer.com
(770) 217-4954
Know better? Leave your own answer in the comments!
Orignal From: How does Personal Injury case work without an attorney?
Post a Comment