How your personal injury doctor is paid for

In most cases you may be entitled to treatment at little or no cost to you. A personal injury doctor will work with your lawyer. In most cases they will work on a medical or attorneys lien. This means you can go to a personal injury doctor with no money out of your own pocket. You will have to pay for your medical services; you just don’t have to do it up front. There is also a few other options as well. In the form of pip, med pay, third party billing and liens.

Your care after an auto accident can be paid for in a variety of different ways. If the accident was not your fault, the at fault party’s insurance company is ultimately responsible for paying your medical expenses. However, if the accident was your fault, then you still have options. Pip and med pay are two of these options, along with health insurance. Using health insurance for accidents in most states is a last resort. Most personal injury doctors won’t bill health insurance unless there is no other way to treat you.

Pip or no fault auto insurance

Beware of anyone who says you can get up to a certain amount of medical care for free. Certain states require pip. Pip states have medical services written into auto policies. They have minimal amounts. In some states this minimal amount might be 2500 dollars all the way to infinity. Pip was actually created to limit the right to sue. Unfortunately, it has driven auto insurance through the roof in many pip states. Florida has some of the highest premiums in the country. This is not because of pip, but the abuse of it.

Pip is no fault auto insurance. However, only certain states have this. It is mandatory medical coverage in the event of an auto accident. It usually comes in increments of 1,000’s of dollars. Furthermore, it is purchased when you buy auto insurance. Pip covers mostly medical expenses and in some states covers much more.

Pip or no fault is called different things in different states. It may be called pip or no fault. Or even, medical benefit. No matter whats i called, it certainly can help you and anyone in your car at the time of the accident. Any good personal injury doctor will take pip as first party insurance. It will cover you even if you were at fault.

Med pay or medical payments

Med pay is something you have to add to your auto insurance. However, in most instances, your insurance agent may not even tell you about it.  More than likely, they will ask you if you have health insurance, and if you say yes, they will claim you don’t need it. This could not be further from the truth. Medical Payments are necessary even if you have health insurance. If you live in a state where pip is not required, you need med pay.

Med pay covers you medically in the event of a car accident. And, it doesn’t even matter who was at fault. Furthermore, it will cover your passengers as well up the dollar amount specified by you when you purchase it. Your personal injury doctor can help you file all the paperwork for a Med pay claim.

Direct third party billing

Your personal injury doctor can bill the at fault party’s auto insurance company directly, this is what is called third party billing. Third party billing is also when they can bill med pay or pip. Generally though, this is a doctor who is willing to try and bill directly to the insurance. This is not very common in many states. Most physicians do not work in this manner. However, there are a few states which have laws to support this type of billing.

Attorneys liens

These liens are what is an agreement between the attorney and your personal injury doctor. He agrees to treat the injured party and the attorney agrees to pay for the care after the case has been settled. However, this does not mean that all physicians will accept liens from every lawyer. If your accident occurred in one state and you are treating in another, he may not want to deal with an attorney he does not know, or has no experience with. Personal Injury Doctors are taking a lot of risk dealing with lawyers they have never dealt with before.

In some instances, the lawyer has just sent out a check for 40% of the bill and wants the doctor to accept it. On The other hand, they may call and ask the physician for severe reduction on the medical bills, while the attorney takes no reductions. So, some physicians have no interest in working with all attorneys on liens.

Medical liens

The patient signs documentation. This document states they will pay for their medical care once a settlement with the insurance company is reached. This works well in some cases, and a disaster in others. However, most personal injury doctors don’t like doing this. It removes security from the equation. They would rather treat on an attorney’s lien than a medical lien. And, in some instances won’t even treat you unless you have an attorney.

Reasonable care

The insurance company deems what is necessary and reasonable care, not a personal injury doctor. So when someone tells you could or can receive 10,000 in medical benefits, they are not being honest. A personal injury doctor does not determine this, the insurance companies do. Beware of a personal injury doctor who tells you this.

They want you to come to their office so they can bill out all the Pip or med pay on the policy and then cut you loose. These doctors don’t care about you, or your pain. They only care about the money you bring them. Be aware that there are unethical personal injury doctors out there.

I don’t feel injured, i’ll wait to go see a personal injury doctor

Do not make the mistake of not going to see a personal injury doctor after your accident. Not going to see a personal injury doctor after you have been hurt is a common mistake made by many people. Some people feel that they will be ok, or the pain will subside in a couple of days. Make sure to see one immediately after your car accident so you can receive the medical treatment you deserve.

Waiting can cause major issues if you file a medical claim

You should not wait. Go see a personal injury doctor as soon as you can. You will have what is called a gap in treatment if you wait. This can cause many problems with your case in the future. A delay in treatment can really hurt your case more than most people know. If you have been hurt, you need to get to a personal injury doctor quickly.

Insurance companies are going to look at the records and see when you received treatment.  If you waited a long time, it’s hard for them, or the lawyer to believe that you were even injured.  If you are hurt, go see a personal injury doctor today, don’t wait. Try and see a medical professional within 72 hours of having an accident.

The ER Dr. gave me some prescriptions and told me to do a follow up with my primary care

ER physicians are necessary to get you out of immediate life threatening injuries. Prescriptions help with the pain, but they do not heal the problem. The problem is the injury itself, if you do not have a broken bone, you have a soft tissue issue. Your primary care doctor may or may not prescribe Physical Therapy. If you are in pain you need some type of therapy to get you out of pain, not take pills.

Find a Personal Injury Doctor today

If you have been hurt in a car wreck, find a personal injury doctor today by searching in our zip code database. Doctors who treat personal injuries are very good at what they do, they will document your case so your lawyer can get the you the settlement you deserve. Find one now