After you have an auto accident you may find yourself at your primary care doctors office only to find out they wont see you. They wont see you because they do not file third party claims. Third party claims in auto accident means the doctor will bill the at fault party’s insurance company.
So why wont your Primary Care Doctor file third party Claims
Your Primary care doctor usually will not file through third party claims. Primary care doctors have a billing structure that is geared more towards health insurance not auto insurance. You would think they are similar, but they are drastically different from each other. If you live in a PIP State, it is possible that your primary care doctor may file though third party claims.
In non PIP states, its almost a guarantee that your primary care doctor will not file third party claims. They generally will want you to pay out of pocket for services rendered. These medical bills may reach into the thousands. Many car wreck victims simply cannot afford this. Your Primary care doctor also may never have dealt with auto accident injuries.
Auto accident injuries may include
- Arm Pain
- Back Pain
- Contusions (bruising)
- Difficulty concentrating
- Leg Pain
- Muscle Weakness
If you are sick, your primary care doctor is your best bet, if you are injured in a car wreck, they may not be the best doctor to see. They usually wont file third party claims, and they usually treat the injuries above with pain killers and muscle relaxers.
Primary care doctors file through health insurance and know how much they will be paid for each procedure. When the doctor files a third party claim, he has no idea what the car insurance company will pay for and what they will not. You would think it would be easy. You go see your doctor, he treats you, and files a third party claim to recovery his bills. The problem is with the auto insurance company.
Auto Insurance companies and third party claims
They really put up a fight paying for your injuries. They are in the business of saving money on claims, not paying it out. Most insurance companies drive accident victims to call personal injury lawyers. They really leave them no choice. They wont pay for there medical expenses or deny claims.
In recent months there seems to have been a swing in the way some insurance companies handle medical claims. They dont want you to get a personal injury lawyer. They may tell you they will take care of everything only to find out months later they were not being truthful.
I have personally seen were an insurance company paid for an injury a week after the auto accident. The party had an ER bill and the company paid him 2000.00 for a 600.00 medical bill. This particular man went to the ER to get checked out and he was fine. This is not always the case, but the insurance company in my opinion did a great thing. I think they overpaid the guy.
Its always good to try and see your primary care doctor after an auto accident. Getting checked out after a car wreck is one of the things people dont do right away, they usually wait until they are in pain. However, many accident victims find themselves being told no, we dont file third party claims. Accident Doctor has doctors that will file third party claims. They also deal with auto accident victims and know how to document cases. This documentation might not seem important, but its very critical to any personal injury case and any hope for a medical claim recovery.