I had an accident last week courtesy of a slippery road and a guy cutting me off (he did not stop and i have no info) My car is damaged past it's worth and I'm getting another one this weekend. My dilema is this. I notified my insurance company, but haven't claimed any damages. (The car isn't worth a lot and I'm just trading it in so I don't want to repair it.) My chiroprator found nerve strain in my back more than I had previously and it has been bothering me a bit, but I have a high pain threshold anyway. He's advising me to file "no fault" medical claims and have my auto insurance company pay for increased visits (I was down to once every two weeks) and he wants me to come back a few times a week again now that my tests are showing this strain and I'm in a bit more pain. Will filing this "no fault" increase my rates when I come up for renewal? Or will they go up anyway? I'd like to go back for more visits, but I don't want to pay more in rates if I can help it. Should I file?
2006-12-07 12:48:32 · 7 answers · asked by noxturnxonxred 2 in Cars & Transportation ➔ Insurance & Registration
Yes- by all means- file! You pay for insurance- by all means take advantage of it.
Florida is considered at "no-fault" state- pertaining to injury only. Im going to assume this is how your state is as well for the means of answering this question. What this means is regardless of fault your own insurance is primary for your injury.
Give them a call- say youd like a "Pip only claim" - and they will be responsible for 80% of your chiro bills (unless you have extended coverage in which case its 100%.) Furthermore, they generally cannot raise your rates by law for a PIP claim alone.
2006-12-07 13:06:08 · answer #1 · answered by Anonymous · 0⤊ 0⤋
I worked this for years. First of all, insurance companies are suspicious of chiropractors - they are known to treat until they "exhaust benefits" and then hold you liable for the excess. Usually what they "find" and "treat" is hard to prove or disprove. Whether you file or not - for the car or the treatment - your rates rise. whether the accident was your fault or not - insurnace companies factor in driving history (amongst other factors) when calculating your rates. So really you should always file when you have an accident. IF A LAWYER OR DOCTOR APPROACHES YOU ABOUT A KICK BACK DONT DO IT - it is fraud, illegal, you could go to jail and worst of all - you rarely get the kickback and open yourself to liability for a debt to them. Call your insurance company tell them about the accident - see the doctor only if you have to and make sure he doesn't exhaust your benefits. In FL - no fault limits are usually $10,000 per person. Check to see what your policy states. And be careful - you are in the wolfs den with either the chiropractor or insurance company.
2006-12-07 12:58:02 · answer #2 · answered by Anonymous · 1⤊ 0⤋
In medical claims, the insurance company will gladly listen to a real doctor regarding any injury you may have, but for the most part they will not seriously consider what a Chiropractic physician has to say. Of course he wants you to come in multiple times and get him paid for it. I suppose he is also using the line "It took years to get in the shape you're in, and you can't expect to get it aligned and right again in just a few visits" too.
2006-12-07 12:57:54 · answer #3 · answered by oklatom 7 · 1⤊ 0⤋
See my answer to your other question.
As an addendum- making a no fault claim won't affect your rates most of the time. Your insurance carrier will probably need your prior records. If you had a pre-existing condition they may not pay for all of your treatment. You'll just have to see.
2006-12-08 06:42:45 · answer #4 · answered by Chris 5 · 0⤊ 0⤋
If you work through an insurance agent, talk to him/her. If not, call (or write) your insurance company, explain the situation and ask what usually happens in cases like yours. My guess: your premiums will increase a little because your car was totalled, or quite a bit more when you file "no-fault" medical claims.
2006-12-07 13:03:48 · answer #5 · answered by ? 6 · 0⤊ 0⤋
First off I know alot of accident.. no i'm not accident prone., but i have sever damage to my spine from a car accident. Go see a laywer first and tell him your going after the other person to pay your bills and see your regular dr on a regular basis.
You should definately finally the claim it was the other persons fault.. before you trade that car in call the insurance company and have them take pictures of the damage as well as report it.
You have seven days to report it to the police station and you state.. well your state my be different...
Just incase your injuries. get more i suggest you call a lawyer and let him handle it.
and no my nickmane isn't crash that's my sister just incase you where thinking that. :)
2006-12-07 13:14:34 · answer #6 · answered by dee luna 4 · 0⤊ 2⤋
Talk to a laywer thats what they are their for
2006-12-07 12:52:08 · answer #7 · answered by slp9209 4 · 0⤊ 2⤋